Side-by-side · Q2 2026 data
Align Credit Union vs City of Boston Credit Union
Credit union
City of Boston Credit Union
South Boston, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Align Credit Union | City of Boston Credit Union |
|---|---|---|
| TellerScore | 45 | 48 (stronger) |
| Capital cushion | 37 | 41 (stronger) |
| Loan quality | 51 (stronger) | 35 |
| Earnings | 2 | 36 (stronger) |
| Funding & liquidity | 85 (stronger) | 81 |
| Problem-loan coverage | 77 (stronger) | 71 |
| Peer percentile | 3rd | 4th |
| Total assets | $650.9M | $544.5M |
| Deposits / shares | $556.8M | $466.6M |
| Capital ratio | 8.67% | 9.07% (stronger) |
| Problem loans | 1.46% (stronger) | 1.95% |
| Net charge-offs | 0.14% (stronger) | 0.35% |
| Return on assets | -0.45% | 0.39% (stronger) |
| Loans ÷ deposits | 74.8% (stronger) | 78.9% |
| Uninsured deposits | 10.0% (stronger) | 12.3% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | 44.6% |
City of Boston Credit Union has the higher TellerScore (48 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Align Credit Union leads on 4 and City of Boston Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.