Federal credit union · FALL RIVER, Massachusetts · NCUA charter #9822
Santo Christo
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $18.3M
- Total assets
- 1,979
- Members
- 7.3%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)77
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)97
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.29% | 30% |
| Delinquency Rate | 0.28% | 25% |
| Return on Assets | 0.92% | 15% |
| Member Growth | -32.57% | 15% |
| Loan-to-Share Ratio | 67.77% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Santo Christo
The five-factor composite scores Santo Christo at 78/100 (Very Good), reflecting a net worth ratio of 7.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in FALL RIVER, Massachusetts, reports 1,979 members, $18.3M in total assets, and $11.3M in outstanding loans as of Q4 2025 under charter #9822 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 0.28% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 67.77% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.92% on net income of $169K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -32.57%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Santo Christo financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Santo Christo's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.29% 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 78/100 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 7.29% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.