Side-by-side · Q2 2026 data
Southcoast Federal Credit Union vs Somerset Federal Credit Union
Credit union
Southcoast Federal Credit Union
New Bedford, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Southcoast Federal Credit Union | Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 74 | 75 (stronger) |
| Loan quality | 91 | 94 (stronger) |
| Earnings | 40 | 48 (stronger) |
| Funding & liquidity | 84 | 85 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 49th | 74th |
| Total assets | $59.0M | $263.3M |
| Deposits / shares | $48.0M | $232.8M |
| Capital ratio | 12.40% | 12.51% (stronger) |
| Problem loans | 0.27% | 0.19% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.50% | 0.69% (stronger) |
| Loans ÷ deposits | 76.3% | 74.8% (stronger) |
| Uninsured deposits | 5.3% (stronger) | 8.1% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 13.4% |
Somerset Federal Credit Union has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Southcoast Federal Credit Union leads on 1 and Somerset Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.