Santo Christo

FALL RIVER, MA · 1 · Charter #9822 · www.santochristocu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$18.3M
60th percentile
Members
1,979
65th percentile
Total loans
$11.3M
69th percentile
Total shares
$16.6M
62th percentile

Profitability

Return on assets
1.09%
63th percentile
Net interest margin
4.16%
57th percentile
Efficiency ratio
76.01%
31th percentile
Non-interest income ratio
10.99%
56th percentile

Capital & Risk

Net worth ratio
8.75%
8th percentile
Delinquency rate
0.28%
67th percentile
Net charge-off rate
0.03%
71th percentile
Loan-to-share
67.77%
60th percentile

Growth

Member growth YoY
-32.57%
1th percentile
Asset growth YoY
-0.80%
37th percentile
Loan growth YoY
6.46%
83th percentile
Share growth YoY
-1.83%
36th percentile

Operations

Members / branch
1,979
77th percentile
Assets / member
$9,234
50th percentile
Field of membership penetration
1.98%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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