Federal credit union · New Bedford, Massachusetts · NCUA charter #22426
SOUTHCOAST
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $60.0M
- Total assets
- 4,337
- Members
- 12.0%
- Net-worth ratio
SOUTHCOAST scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $60.0M; members 4,337; net-worth ratio 12.03%; health rank #1,111 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,111 of 4,374 health · 2025Q4SOUTHCOAST · health 90/100 · $60.0M · 2025Q4
- CHARTER 90/100
- NCUSIF 12.0%
- CAMELS 0.31%
- HEALTH 0.60%
- NW $60.0M
- DELQ 4,337
- ROA #1,111/4,374
- ASSETS HORIZON
- MEM 22426
Call Report peers
SOUTHCOAST in the assets neighbourhood
SOUTHCOAST's $60.0M assets sit next to HORIZON ($60.0M) 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.
SOUTHCOAST 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
90 Top 27% higher than 73% 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
SOUTHCOAST - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #22426. See our deposit-insurance coverage note.
SOUTHCOAST: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 78.78% here, 62.60% peer average (+16.18 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.59 pp (12.03% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SOUTHCOAST in Massachusetts
- Massachusetts health ordinal: #29 of 126.
- By total assets, SOUTHCOAST is #69 of 126 in Massachusetts.
- Member book place in Massachusetts: #64 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.
Quarter path for SOUTHCOAST
SOUTHCOAST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $60.0M (2025Q4) to $60.3M (2026Q1).
- Net-worth ratio shifted +0.09 pp (11.94% → 12.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 14.9 pts
SOUTHCOAST vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.03% | -1.59 pp |
| Delinquency Rate | 0.31% | -0.66 pp |
| Return on Assets | 0.60% | -0.06 pp |
| Member Growth | -2.17% | - |
| Loan-to-Share Ratio | 78.78% | +16.18 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
SOUTHCOAST filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $60.3M | - |
| 2025Q4 | $60.0M | 4,337 |
| 2024Q4 | $59.7M | 4,433 |
| 2023Q4 | $66.5M | 4,606 |
Credit Union Details
- Charter Number
- 22426
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Massachusetts
- City
- New Bedford
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, SOUTHCOAST runs 6 offices in 4 different cities.
| Office | City |
|---|---|
| Union St (Main Office) | New Bedford, MA |
| ATT Site | Fairhaven, MA |
| Charlton Memorial Hospital | Fall River, MA |
| St Luke's Hospital | New Bedford, MA |
| Acushnet Ave | New Bedford, MA |
| Tobey Hospital | Wareham, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Other-state peers near SOUTHCOAST
SOUTHCOAST's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($60.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- SOUTHCOAST ranks #1,111 of 4,374 nationally on financial health and #29 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CRANBERRY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CRANBERRY
- 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 SOUTHCOAST financially healthy?
A 12.03% net worth ratio and a 0.31% delinquency rate feed into SOUTHCOAST's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,111 of 4,374; by total assets it ranks #2,257 of 4,374 nationally (same basis as /rankings/largest); and #69 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SOUTHCOAST compare to other credit unions?
90/100 is SOUTHCOAST's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 SOUTHCOAST?
SOUTHCOAST 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 SOUTHCOAST directly for the exact boundaries and application steps.
Is my money safe at SOUTHCOAST?
Federal credit unions like SOUTHCOAST 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. SOUTHCOAST's net worth ratio of 12.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SOUTHCOAST offer compared to banks?
Credit unions like SOUTHCOAST 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 SOUTHCOAST 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.