Side-by-side · Q2 2026 data
Southcoast Federal Credit Union vs Sharon & Crescent United Credit Union
Credit union
Southcoast Federal Credit Union
New Bedford, Massachusetts · Under $100 million in assets
Credit union
Sharon & Crescent United Credit Union
Sharon, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Southcoast Federal Credit Union | Sharon & Crescent United Credit Union |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 74 | 78 (stronger) |
| Loan quality | 91 (stronger) | 86 |
| Earnings | 40 | 55 (stronger) |
| Funding & liquidity | 84 (stronger) | 70 |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 49th | 79th |
| Total assets | $59.0M | $1.4B |
| Deposits / shares | $48.0M | $1.1B |
| Capital ratio | 12.40% | 12.83% (stronger) |
| Problem loans | 0.27% (stronger) | 0.43% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 0.50% | 0.88% (stronger) |
| Loans ÷ deposits | 76.3% (stronger) | 90.7% |
| Uninsured deposits | 5.3% (stronger) | 14.2% |
| Offices | 6 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 14.2% |
Sharon & Crescent United Credit Union has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Southcoast Federal Credit Union leads on 4 and Sharon & Crescent United 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.