Southcoast

New Bedford, MA · 1 · Charter #22426 · www.southcoastcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$60.0M
11th percentile
Members
4,337
17th percentile
Total loans
$38.2M
25th percentile
Total shares
$45.1M
4th percentile

Profitability

Return on assets
0.20%
7th percentile
Net interest margin
2.98%
17th percentile
Efficiency ratio
74.44%
15th percentile
Non-interest income ratio
18.69%
58th percentile

Capital & Risk

Net worth ratio
11.94%
46th percentile
Delinquency rate
0.31%
80th percentile
Net charge-off rate
0.04%
93th percentile
Loan-to-share
84.73%
79th percentile

Growth

Member growth YoY
-2.17%
31th percentile
Asset growth YoY
0.45%
23th percentile
Loan growth YoY
10.45%
88th percentile
Share growth YoY
-0.16%
22th percentile

Operations

Members / branch
723
1th percentile
Assets / member
$13,833
45th percentile
Field of membership penetration
36.14%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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