Federal credit union · FALL RIVER, Massachusetts · NCUA charter #9822
Santo Christo
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $18.3M
- Total assets
- 1,979
- Members
- 8.5%
- Net-worth ratio
Santo Christo scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.3M; members 1,979; net-worth ratio 8.53%; health rank #2,658 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,658 of 4,374 health · 2025Q4Santo Christo · health 81/100 · $18.3M · 2025Q4
- DELQ 81/100
- ROA 8.5%
- ASSETS 0.28%
- MEM 0.92%
- RANK $18.3M
- PHOTO 1,979
- BOOK #2,658/4,374
- CHARTER 77th Street Depot
- NCUSIF 9822
Call Report peers
Santo Christo in the assets neighbourhood
Santo Christo's $18.3M assets sit next to 77th Street Depot ($18.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Santo Christo vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Santo Christo - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9822, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Santo Christo: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 67.77% vs peer 59.80% (+7.97 pp).
- Widest shortfall vs peers is Net Worth Ratio: -6.33 pp (8.53% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Santo Christo in Massachusetts
- Health composite ranks #77 of 126 among scored Massachusetts credit unions.
- Assets rank #98 of 126 inside Massachusetts ($18.3M reported).
- Member book place in Massachusetts: #82 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Santo Christo: 2025Q4 → 2026Q1
Santo Christo: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.2% from $18.3M (2025Q4) to $19.2M (2026Q1).
- Net-worth ratio shifted -0.22 pp (8.75% → 8.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 26.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Santo Christo
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.53% | -6.33 pp |
| Delinquency Rate | 0.28% | -0.87 pp |
| Return on Assets | 0.92% | +0.22 pp |
| Member Growth | -32.57% | - |
| Loan-to-Share Ratio | 67.77% | +7.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Santo Christo filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.2M | - |
| 2025Q4 | $18.3M | 1,979 |
| 2024Q4 | $18.4M | 2,935 |
| 2023Q4 | $16.7M | 2,845 |
Credit Union Details
- Charter Number
- 9822
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- FALL RIVER
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Santo Christo runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| SANTO CHRISTO FEDERAL CREDIT UNION (Main Office) | FALL RIVER, MA |
| New Bedford Credit Union | New Bedford, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Santo Christo - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Santo Christo ranks #2,658 of 4,374 nationally on financial health and #77 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lynn Firemens is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lynn Firemens
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Santo Christo financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Santo Christo's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,658 of 4,374; by total assets it ranks #3,199 of 4,374 nationally (same basis as /rankings/largest); and #98 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.53% net worth ratio and 0.28% delinquency rate are the key drivers.
How does Santo Christo compare to other credit unions?
Five weighted metrics from NCUA filings produce Santo Christo's 81/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Santo Christo?
Santo Christo operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Santo Christo directly for the exact boundaries and application steps.
Is my money safe at Santo Christo?
Federal credit unions like Santo Christo are 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. Santo Christo's net worth ratio of 8.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Santo Christo offer compared to banks?
Credit unions like Santo Christo are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Santo Christo directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.