Side-by-side · Q2 2026 data
Santo Christo Federal Credit Union vs Natco Employees Federal Credit Union
Credit union
Santo Christo Federal Credit Union
Fall River, Massachusetts · Under $100 million in assets
Credit union
Natco Employees Federal Credit Union
West Warwick, Rhode Island · Under $100 million in assets
Metric by metric
| Measure | Santo Christo Federal Credit Union | Natco Employees Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 93 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 58 | 65 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 44th | 94th |
| Total assets | $18.5M | $208K |
| Deposits / shares | $17.5M | $170K |
| Capital ratio | 9.10% | 17.44% (stronger) |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.94% | 1.13% (stronger) |
| Loans ÷ deposits | 66.4% | 23.9% (stronger) |
| Uninsured deposits | 2.6% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Natco Employees Federal Credit Union has the higher TellerScore (93 vs 72). On the 6 directional measures above (where higher or lower is clearly better), Santo Christo Federal Credit Union leads on 0 and Natco Employees Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.