Headquartered in South Boston, Massachusetts, City of Boston Credit Union is a federally insured state-chartered credit union with $544.5M in total assets and $466.6M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1915.
Based on its Q2 2026 filing, City of Boston Credit Union scores 48/100, which we describe as below average. That is higher than only 4% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 115th. Its strongest component is funding & liquidity (81/100; 79% loans-to-deposits, 12% uninsured), and its lowest is loan quality (35/100; 1.95%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (51 → 48), mostly because the loan quality component weakened by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 44 |
| Q4 2024 | 43 |
| Q1 2025 | 54 |
| Q2 2025 | 51 |
| Q3 2025 | 47 |
| Q4 2025 | 40 |
| Q1 2026 | 51 |
| Q2 2026 | 48 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.41% |
| Q3 2024 | 8.72% |
| Q4 2024 | 8.61% |
| Q1 2025 | 8.40% |
| Q2 2025 | 8.65% |
| Q3 2025 | 8.63% |
| Q4 2025 | 8.64% |
| Q1 2026 | 8.96% |
| Q2 2026 | 9.07% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.39% |
| Q1 2025 | 0.86% |
| Q2 2025 | 1.45% |
| Q3 2025 | 1.84% |
| Q4 2025 | 2.59% |
| Q1 2026 | 1.53% |
| Q2 2026 | 1.95% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.32% |
| Q3 2024 | -0.89% |
| Q4 2024 | -0.70% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $544.5M | 9.07% | 1.95% | 0.39% | 78.9% |
| Q1 2026 | 51 | $546.2M | 8.96% | 1.53% | 0.46% | 80.4% |
| Q4 2025 | 40 | $559.0M | 8.64% | 2.59% | 0.50% | 80.2% |
| Q3 2025 | 47 | $562.1M | 8.63% | 1.84% | 0.47% | 80.0% |
| Q2 2025 | 51 | $552.1M | 8.65% | 1.45% | 0.45% | 83.7% |
| Q1 2025 | 54 | $558.7M | 8.40% | 0.86% | 0.27% | 84.4% |
| Q4 2024 | 43 | $552.7M | 8.61% | 1.39% | -0.70% | 87.4% |
| Q3 2024 | 44 | $548.4M | 8.72% | 1.20% | -0.89% | 90.8% |
| Q2 2024 | 49 | $567.7M | 8.41% | 0.68% | -1.32% | 90.7% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| I-C Federal Credit UnionCredit union Fitchburg, MA | 50 out of 100, Below average | $583.0M | 8.9% | 0.94% | vs |
| Millbury Federal Credit UnionCredit union Millbury, MA | 64 out of 100, Moderate | $468.2M | 9.7% | 0.29% | vs |
| Boston Firefighters Credit UnionCredit union Dorchester, MA | 72 out of 100, Strong | $452.6M | 12.9% | 0.68% | vs |
| Taunton Federal Credit UnionCredit union Taunton, MA | 72 out of 100, Strong | $440.5M | 12.0% | 0.77% | vs |
| Align Credit UnionCredit union Lowell, MA | 45 out of 100, Below average | $650.9M | 8.7% | 1.46% | vs |
| Umassfive College Federal Credit UnionCredit union Hadley, MA | 58 out of 100, Moderate | $702.7M | 9.7% | 1.02% | vs |
Deposit insurance
Is my money safe at City of Boston Credit Union?
Yes. City of Boston Credit Union is a federally insured credit union (NCUA charter #67841). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 12.3% of shares and deposits ($57.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 9.07%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
City of Boston Credit Union lists 6 offices in 5 cities. Most locations:
- Boston, MA (2)
- Canton, MA (1)
- Dorchester, MA (1)
- South Boston, MA (1)
- West Roxbury, MA (1)
HMDA 2025
Mortgage lending
In 2025, City of Boston Credit Union reported 131 home-loan applications under HMDA (LEI 254900PH44D8BB632E53): 53 originated ($6,405,000 total), 45 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 44.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- City of Boston Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67841
- RSSD ID
- 176099
- Primary regulator
- State + NCUA
- Established
- 1915
- Headquarters
- 455 West Broadway, South Boston, MA 02127
- Employees
- 64
Quick answers
City of Boston Credit Union: common questions
Is City of Boston Credit Union NCUA insured?
Yes. City of Boston Credit Union is a federally insured credit union (NCUA charter #67841). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is City of Boston Credit Union's TellerScore?
48 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does City of Boston Credit Union have?
6 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near South Boston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| Danvers Municipal Federal Credit UnionCredit union Danvers, MA | 91 out of 100, Very strong | $8.2M | 39.0% | 0.00% | vs |