Federal credit union · Boston, Massachusetts · NCUA charter #524
Boston Customs
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $2.4M
- Total assets
- 354
- Members
- 16.6%
- Net-worth ratio
Boston Customs scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.4M; members 354; net-worth ratio 16.58%; health rank #1,401 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,401 of 4,374 health · 2025Q4Boston Customs · health 88/100 · $2.4M · 2025Q4
- PHOTO 88/100
- BOOK 16.6%
- CHARTER 0.47%
- NCUSIF 0.21%
- CAMELS $2.4M
- HEALTH 354
- NW #1,401/4,374
- DELQ n/a
- ROA 524
Call Report peers
Boston Customs carries $2.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Boston Customs vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Boston Customs - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #524. See our deposit-insurance coverage note.
Boston Customs: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +6.08 pp (69.68% vs 63.60%).
- Largest lag: Net Worth Ratio at 16.58% vs peer 19.06% (-2.48 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Boston Customs sits in Massachusetts
- Massachusetts health ordinal: #40 of 126.
- Massachusetts assets place: #120 of 126.
- Membership ranks #117 of 126 among Massachusetts CUs with a reported count (354 members).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Boston Customs's 5300 filing moved
Boston Customs: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $2.4M (2025Q4) to $2.5M (2026Q1).
- Net-worth ratio shifted +0.02 pp (16.56% → 16.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.7 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Boston Customs
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.58% | -2.48 pp |
| Delinquency Rate | 0.47% | -1.34 pp |
| Return on Assets | 0.21% | -0.24 pp |
| Member Growth | -0.84% | - |
| Loan-to-Share Ratio | 69.68% | +6.08 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.5M | - |
| 2025Q4 | $2.4M | 354 |
| 2024Q4 | $2.4M | 357 |
| 2023Q4 | $2.5M | 345 |
Credit Union Details
- Charter Number
- 524
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- Boston
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Boston Customs runs one office.
| Office | City |
|---|---|
| Office (Main Office) | Boston, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Boston Customs's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Boston Customs ranks #1,401 of 4,374 nationally on financial health and #40 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Stoughton Town Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Stoughton Town Employees
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Boston Customs financially healthy?
A 16.58% net worth ratio and a 0.47% delinquency rate feed into Boston Customs's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,401 of 4,374; by total assets it ranks #4,097 of 4,374 nationally (same basis as /rankings/largest); and #120 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Boston Customs compare to other credit unions?
88/100 is Boston Customs's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Boston Customs?
Boston Customs carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Boston Customs directly to confirm current membership steps.
Is my money safe at Boston Customs?
Federal credit unions like Boston Customs are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Boston Customs's net worth ratio of 16.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Boston Customs offer compared to banks?
Credit unions like Boston Customs are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Boston Customs directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.