From the sounds of it the banks are eroding because the slope is too steep for the ground to be stable and it is sloughing off into the pond.

It all depends on your goals for the pond, and how visually attractive you want it to be.

When you say you don't have access to back yard for equipment, do you mean that you cannot even get a mini-excavator in there? Doing everything by hand will be very labor intensive and a PITA.

Broken concrete won't look that good (I think). If you could go around the banks of the pond with a shovel and make a step in the bank, then lay bags of concrete on the step, then 1-2 more layers going up and back out of the pond you could make a concrete terrace all the way around the pond that way. If you go that route, take 1-2 24"-36" pieces of #3 or #4 rebar and drive them through the bag when it's placed. That will lock the bag in place on the soil. and the bag will suck up moisture and harden making a large squarish stone. In a year or two the paper will degrade off of the sack.

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