State credit union · Southbridge, Massachusetts · NCUA charter #66374
SOUTHBRIDGE
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $236.3M
- Total assets
- 11,332
- Members
- 10.5%
- Net-worth ratio
SOUTHBRIDGE scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $236.3M; members 11,332; net-worth ratio 10.53%; health rank #2,305 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,305 of 4,374 health · 2025Q4SOUTHBRIDGE · health 83/100 · $236.3M · 2025Q4
Call Report peers
SOUTHBRIDGE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SOUTHBRIDGE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SOUTHBRIDGE sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SOUTHBRIDGE: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 84.01% vs peer 72.20% (+11.81 pp).
- Largest lag: Net Worth Ratio at 10.53% vs peer 12.11% (-1.58 pp).
SOUTHBRIDGE: in-state Call Report ranks
- Health composite ranks #68 of 126 among scored Massachusetts credit unions.
- Assets rank #42 of 126 inside Massachusetts ($236.3M reported).
- Membership ranks #42 of 126 among Massachusetts CUs with a reported count (11,332 members).
- One place up in Massachusetts, WORCESTER (#67) ties at 83/100; one place down, Fall River Municipal (#69) ties at 83/100.
How SOUTHBRIDGE's 5300 filing moved
SOUTHBRIDGE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $236.3M (2025Q4) to $242.3M (2026Q1).
- Net-worth ratio shifted -0.14 pp (10.67% → 10.53%).
At 10.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
SOUTHBRIDGE gives up 17 points in total. Member Growth costs the most, 12.9 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.7 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 15.2 pts
SOUTHBRIDGE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.53% | -1.58 pp |
| Delinquency Rate | 0.23% | -0.66 pp |
| Return on Assets | 0.21% | -0.41 pp |
| Member Growth | -3.84% | - |
| Loan-to-Share Ratio | 84.01% | +11.81 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $242.3M | - |
| 2025Q4 | $236.3M | 11,332 |
| 2024Q4 | $222.5M | 11,785 |
| 2023Q4 | $213.1M | 12,801 |
Credit Union Details
- Charter Number
- 66374
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Southbridge
- Data Quarter
- 2025Q4
Branch Locations (5)
SOUTHBRIDGE operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lending Center/Operations (Main Office) | Southbridge, MA |
| Auburn | Auburn, MA |
| Main Office | Southbridge, MA |
| Fiskdale | Sturbridge, MA |
| Hobbs Brook | Sturbridge, 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.
Other-state peers near SOUTHBRIDGE
Using this data
- SOUTHBRIDGE ranks #2,305 of 4,374 nationally on financial health and #68 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LUSO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LUSO
Frequently Asked Questions
Is SOUTHBRIDGE financially healthy?
SOUTHBRIDGE has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,305 of 4,374 nationally on health and #68 of 126 in Massachusetts. Its net worth ratio is 10.53% and its delinquency rate 0.23%.
How does SOUTHBRIDGE compare to other credit unions?
SOUTHBRIDGE scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.01% vs 72.20%). Its widest shortfall is net worth ratio (10.53% vs 12.11%).
How can I join SOUTHBRIDGE?
Membership eligibility for SOUTHBRIDGE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SOUTHBRIDGE directly for current membership requirements and application steps.
Is my money safe at SOUTHBRIDGE?
SOUTHBRIDGE is a state-chartered credit union; its shares are federally 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. SOUTHBRIDGE's net worth ratio of 10.53% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.