State credit union · South Boston, Massachusetts · NCUA charter #67841
City of Boston
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $559.0M
- Total assets
- 31,227
- Members
- 9.0%
- Net-worth ratio
City of Boston scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $559.0M; members 31,227; net-worth ratio 8.96%; health rank #4,208 of 4,374; healthier than 4th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,208 of 4,374 health · 2025Q4City of Boston · health 54/100 · $559.0M · 2025Q4
Call Report peers
City of Boston in the assets neighbourhood
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City of Boston vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); City of Boston sits in 50-54 with 82 others.
54 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
City of Boston vs Over $500M peers
- Largest lag: Loan-to-Share Ratio at 80.17% vs peer 83.90% (-3.73 pp).
City of Boston: in-state Call Report ranks
- Massachusetts health ordinal: #122 of 126.
- Massachusetts assets place: #26 of 126.
- Member book place in Massachusetts: #23 of 126.
- One place up in Massachusetts, Community Credit Union of Lynn (#121) scores 58/100, 4 points higher; one place down, Dedham Town Employees (#123) scores 53/100, 1 point lower.
Quarter path for City of Boston
City of Boston: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.3% from $559.0M (2025Q4) to $546.2M (2026Q1).
- Net-worth ratio shifted +0.32 pp (8.64% → 8.96%).
8.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 54/100 score is built
City of Boston gives up 46 points in total. Delinquency Rate costs the most, 16.2 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.4 pts
- Delinquency Rate 8.8 pts
- Return on Assets 0.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 14.8 pts
City of Boston health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.96% | -2.22 pp |
| Delinquency Rate | 2.59% | +1.72 pp |
| Return on Assets | -0.69% | -1.20 pp |
| Member Growth | -3.35% | - |
| Loan-to-Share Ratio | 80.17% | -3.73 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - City of Boston
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $546.2M | - |
| 2025Q4 | $559.0M | 31,227 |
| 2024Q4 | $552.7M | 32,311 |
| 2023Q4 | $617.8M | 33,139 |
Credit Union Details
- Charter Number
- 67841
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- South Boston
- Data Quarter
- 2025Q4
Branch Locations (7)
City of Boston operates 7 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | South Boston, MA |
| CITY HALL | BOSTON, MA |
| NORTHEASTERN UNIVERSITY | Boston, MA |
| CANTON | Canton, MA |
| DORCHESTER | DORCHESTER, MA |
| SOUTH BOSTON | South Boston, MA |
| WEST ROXBURY | WEST ROXBURY, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- City of Boston ranks #4,208 of 4,374 nationally on financial health and #122 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I-C is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I-C
Frequently Asked Questions
Is City of Boston financially healthy?
On its 2025Q4 NCUA 5300 filing, City of Boston scores 54/100 (Fair), with a 8.96% net worth ratio and 2.59% of loans delinquent. It ranks #4,208 of 4,374 nationally on health and #122 of 126 in Massachusetts.
How does City of Boston compare to other credit unions?
City of Boston scores 54/100, higher than 4% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (80.17% vs 83.90%).
How can I join City of Boston?
Membership eligibility for City of Boston depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact City of Boston directly for current membership requirements and application steps.
Is my money safe at City of Boston?
City of Boston is a state-chartered credit union; its shares are federally 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. City of Boston's net worth ratio of 8.96% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.