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
Call Report peers
SOUTHCOAST in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SOUTHCOAST sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Massachusetts, Boston Firefighters (#28) ties at 90/100; one place down, RAH (#30) ties at 90/100.
Quarter path for SOUTHCOAST
SOUTHCOAST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $60.0M (2025Q4) to $60.3M (2026Q1).
- Net-worth ratio shifted +0.09 pp (11.94% → 12.03%).
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
SOUTHCOAST gives up 10 points in total. Member Growth costs the most, 9.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SOUTHCOAST financially healthy?
On its 2025Q4 NCUA 5300 filing, SOUTHCOAST scores 90/100 (Excellent), with a 12.03% net worth ratio and 0.31% of loans delinquent. It ranks #1,111 of 4,374 nationally on health and #29 of 126 in Massachusetts.
How does SOUTHCOAST compare to other credit unions?
SOUTHCOAST scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (78.78% vs 62.60%). Its widest shortfall is net worth ratio (12.03% vs 13.62%).
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?
SOUTHCOAST is a federal 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. SOUTHCOAST's net worth ratio of 12.03% 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.