Side-by-side · Q2 2026 data
The Cape Cod Five Cents Savings Bank vs Southcoast Federal Credit Union
Credit union
Southcoast Federal Credit Union
New Bedford, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | The Cape Cod Five Cents Savings Bank | Southcoast Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 61 | 74 (stronger) |
| Loan quality | 84 | 91 (stronger) |
| Earnings | 50 (stronger) | 40 |
| Funding & liquidity | 63 | 84 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 49th | 49th |
| Total assets | $5.6B | $59.0M |
| Deposits / shares | $4.6B | $48.0M |
| Capital ratio | 11.11% | 12.40% (stronger) |
| Problem loans | 0.47% | 0.27% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 0.74% (stronger) | 0.50% |
| Loans ÷ deposits | 95.3% | 76.3% (stronger) |
| Uninsured deposits | 16.4% | 5.3% (stronger) |
| Offices | 22 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
Southcoast Federal Credit Union has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Cape Cod Five Cents Savings Bank leads on 1 and Southcoast 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.
Where both have branches
- Wareham, MA