Side-by-side · Q2 2026 data
Southcoast Federal Credit Union vs Athol Credit Union
Credit union
Southcoast Federal Credit Union
New Bedford, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Southcoast Federal Credit Union | Athol Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 42 |
| Capital cushion | 74 (stronger) | 36 |
| Loan quality | 91 (stronger) | 60 |
| Earnings | 40 (stronger) | 8 |
| Funding & liquidity | 84 (stronger) | 50 |
| Problem-loan coverage | 89 (stronger) | 75 |
| Peer percentile | 49th | 4th |
| Total assets | $59.0M | $99.2M |
| Deposits / shares | $48.0M | $77.5M |
| Capital ratio | 12.40% (stronger) | 8.61% |
| Problem loans | 0.27% (stronger) | 1.20% |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 0.50% (stronger) | -0.30% |
| Loans ÷ deposits | 76.3% (stronger) | 112.4% |
| Uninsured deposits | 5.3% (stronger) | 11.0% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 4.7% |
Southcoast Federal Credit Union has the higher TellerScore (74 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Southcoast Federal Credit Union leads on 7 and Athol Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.