# BOSTON FIREFIGHTERS
Dorchester, MA · NCUA charter 67837 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/boston-firefighters-67837

Who the members are: state charter, organized 1947, low-income designated. 12,049 members of 126,000 potential (9.6% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $448.5M |
| Members | 12,049 (2.1% YoY) |
| Full-time staff | 43 |
| Net worth | $57.7M |
| Net worth ratio | 12.9% (p71 of band) |
| ROA (annualized) | 0.79% (p57 of band) |
| Total delinquency | 0.39% (p30 of band) |
| Net charge-offs (annualized) | 0.13% (p20 of band) |
| Loans / shares | 93% (p93 of band) |
| Cash / assets | 11.0% |
| Borrowings / assets | 2.45% |
| Net interest margin | 3.26% (p30 of band) |
| Operating expense / assets | 2.92% (p21 of band) |
| Vehicles % of loans | 6% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.01% (p4 of band) |
| Vehicle NCO | 0.16% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 83% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 33% |
| Average share balance | $13,532 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $6.1M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $41,237 |
| Loans granted, annualized | $46.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $6.1M outstanding purchased (10.6% of net worth), $9.7M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.7% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | delinquency rising, loans>95% of shares |  |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 0 |  | net worth falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | net worth falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 2 | loans>95% of shares, leaning on borrowings | delinquency rising |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 1 |  | leaning on borrowings |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-18 [Boston Firefighters Credit Union rebrands, plans expansion - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNcU9JLWNVejdzUWtDTTVDUDd2c1ZHRmdLdEtoUWduVXhjZE55Z1ZCeGQyNlo5Zl9kdm1tLUp1VktkcTZiQTFWYlZuYjUzRmtmM2N2WTRIdlBBVE1wRjlMTC1ZZGdIajVuMFoxSEp0SUlKYktFYmd5TkJXREx2aldaZ21fRjlvZ1dGNnp4UGl0anlaWVA1ZldIc2t6Y2pTTU52c1FvVUdnOGFzQQ?oc=5) · The Business Journals
- 2026-04-16 [Boston Firefighters Credit Union appoints Elizabeth Adcock as Chief Digital & Information Officer - CUInsight](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQZHRUckZSMzl4czNNRk9QdDMxcXN0UjI1d1l6eFBaMm1jVWljTG1yVG1VelgxY2UtNlFURURoRnJEX01ZZkc1RURUd1VKZzNjZEdRdUdiLWtaeXF2ai1wclBZU0RkdElERlN4MThtR2JRUXhOdmlYeWUyQlh5bWt2ak94V0JVdlpDVUxTSGVRdVIzME1YSnlXTC16NFdPcDE4NWEyMVJMRk1yNlpqMTVlbzlJTl9uZXdfdHgtZFlPa2hNa0x1TWhNNkU3RDdMSlV0N3c?oc=5) · CUInsight
- 2025-10-01 [Meet Danielle Milner: Boston Firefighters Credit Union’s New CEO - Caught In Dot](https://news.google.com/rss/articles/CBMikAFBVV95cUxPT20xbFBUQzltS1RXY091N1Z4TUMtTXM2TU5jQmNsZ20zWktxamx0X3VxX2tZbERGUHBMZjZyTmFTR3ZVeHdDQzBUSTdRTlRBZW1EeHJmdWJEVXBBZ1g3VUNXRmUwN2JEUHFhVFpidTNNR0dBeDR5UmwxY2ZEeHBic3ZNUGhFU1R2dzZEWmVxUVI?oc=5) · Caught In Dot
- 2026-05-27 [Robert T. Kilduff Jr. Obituary (2026) - West Roxbury, MA - William J. Gormley Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxQMjRUemZ1S2x5blJFclNJTWNodUNEN1c2YVkzU1g1UEFwWWtqckN1a2h0WFptMVl1RjVRRDZQYnNwMkR6Z21XeG5DQmlYdTBGZlRYblVRT19ycDNER3N4SHRBMXA4blk1ZVVrUmhrRkRUTWktc1lqVXZtczFVODJqUmtlUQ?oc=5) · Legacy obituary
- 2026-05-23 [Robert T. Kilduff, Jr. Obituary - West Roxbury MA - Gormley Funeral Service - CurrentObituary.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9QN0tlT2RJUE1qYWtFa3NsUEduM2l1WnJRYjBidTljQnc0SWVtYTFST2NFSmJtNEVFTmlRbXBXSnFqcFIwMGU0b0tya0JoaWhhYXhhWU1ieEhjOGI1T2FN?oc=5) · CurrentObituary.com
- 2021-11-22 [CEO of Boston Firefighters Credit Union to retire - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxQX2YzWjA0OTByamtpM2twSXdNbHNHTWF4dnFuSmdQSTZNWWNtWmlEYm54Zk5PVlhXdTVUQlJISjhMN0Y5Sk1uWXlpLTlpTERxalBMVE9TTzlsTGwwRzRkMHNURWpkOXRHbWEzYUVmSlBVdDIwUDBUNE5RalVVUXF3UEwyVlZRX1B4b081akg5REpnTFNhbS1FaElzMXpDTFE?oc=5) · American Banker
- 2025-08-11 [Boston Firefighters Credit Union appoints Danielle Milner as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxOdGlGR3lwdHJmdU5yeTV0b0J0cjJQc2dQcDVlalVlUnQyWHV2VVJCODJlbUZpbjJMVEZMaGtXZnZwTlZUeHV6U08zcUdBSXVIV1IweExISVNiSTVnU0pxWTRWSjlXOGhabmhpTWJONjRNM09ZekhvcFBXU0ZxLXhhMEw0eUZSU3JOVXpRZll0QWlrNC1NZDBSLUZmZDVOeEtySVFXZkRoamplSTZQNTZrOWg3Nm05QQ?oc=5) · CUInsight
- 2014-03-28 [Fund Set Up For Fallen Firefighters' Families - WBUR](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1CZDlJQ1E2Ny1XZ1pNTy1DUmRvYXBNdGI1TmxNeHpDQmpQS0huWjhPQ3M5amtnSHNLMF92RTdTTkI0U0ppdV9LeURTMEhudXc0Zkl1aFF0OWhva3hGcEtRZE5Vbw?oc=5) · WBUR

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67837 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/61.json (key "67837", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67837
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide