Side-by-side · Q2 2026 data
Santo Christo Federal Credit Union vs Somerset Federal Credit Union
Credit union
Santo Christo Federal Credit Union
Fall River, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Santo Christo Federal Credit Union | Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 41 | 75 (stronger) |
| Loan quality | 97 (stronger) | 94 |
| Earnings | 58 (stronger) | 48 |
| Funding & liquidity | 94 (stronger) | 85 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 44th | 74th |
| Total assets | $18.5M | $263.3M |
| Deposits / shares | $17.5M | $232.8M |
| Capital ratio | 9.10% | 12.51% (stronger) |
| Problem loans | 0.08% (stronger) | 0.19% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.94% (stronger) | 0.69% |
| Loans ÷ deposits | 66.4% (stronger) | 74.8% |
| Uninsured deposits | 2.6% (stronger) | 8.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.4% |
Somerset Federal Credit Union has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Santo Christo Federal Credit Union leads on 4 and Somerset Federal Credit Union on 3. 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.