Santo Christo Federal Credit Union is a federal credit union headquartered in Fall River, Massachusetts, in business for about 72 years. At the end of Q2 2026 it reported $18.5M in total assets and $17.5M in member shares and deposits, with 1 office.
Santo Christo Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 59th. Problem-loan coverage contributes the most (99/100, 0.6%); capital cushion contributes the least (41/100, 9.10%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (70 → 72), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 64 |
| Q4 2024 | 67 |
| Q1 2025 | 66 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 70 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.74% |
| Q3 2024 | 7.91% |
| Q4 2024 | 7.76% |
| Q1 2025 | 7.94% |
| Q2 2025 | 8.20% |
| Q3 2025 | 8.72% |
| Q4 2025 | 8.75% |
| Q1 2026 | 8.53% |
| Q2 2026 | 9.10% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.57% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.93% |
| Q2 2025 | 0.93% |
| Q3 2025 | 1.01% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $18.5M | 9.10% | 0.08% | 0.94% | 66.4% |
| Q1 2026 | 70 | $19.2M | 8.53% | 0.10% | 0.83% | 65.0% |
| Q4 2025 | 69 | $18.3M | 8.75% | 0.28% | 0.94% | 67.8% |
| Q3 2025 | 69 | $17.9M | 8.72% | 0.32% | 1.01% | 69.1% |
| Q2 2025 | 70 | $18.5M | 8.20% | 0.10% | 0.93% | 62.6% |
| Q1 2025 | 66 | $18.5M | 7.94% | 0.40% | 0.93% | 63.4% |
| Q4 2024 | 67 | $18.4M | 7.76% | 0.31% | 0.92% | 62.5% |
| Q3 2024 | 64 | $16.8M | 7.91% | 0.26% | 0.57% | 67.6% |
| Q2 2024 | 62 | $16.8M | 7.74% | 0.24% | 0.46% | 67.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lynn Firemens Federal Credit UnionCredit union Lynn, MA | 89 out of 100, Very strong | $20.1M | 19.6% | 0.38% | vs |
| Chelsea Employees Federal Credit UnionCredit union Chelsea, MA | 66 out of 100, Moderate | $21.5M | 8.7% | 0.08% | vs |
| Somerville School Employees Federal Credit UnionCredit union Somerville, MA | 85 out of 100, Very strong | $22.9M | 17.2% | 0.18% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |
| Marblehead Municipal Federal Credit UnionCredit union Marblehead, MA | 82 out of 100, Strong | $13.5M | 15.4% | 0.61% | vs |
Deposit insurance
Is my money safe at Santo Christo Federal Credit Union?
Yes. Santo Christo Federal Credit Union is a federally insured credit union (NCUA charter #9822). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.6% of shares and deposits ($463K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.10%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Santo Christo Federal Credit Union lists 1 office in 1 city. Most locations:
- Fall River, MA (1)
Identity & history
Profile
- Legal name
- Santo Christo Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9822
- RSSD ID
- 957382
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- 149 Columbia Street, Fall River, MA 02721
- Employees
- 5
Quick answers
Santo Christo Federal Credit Union: common questions
Is Santo Christo Federal Credit Union NCUA insured?
Yes. Santo Christo Federal Credit Union is a federally insured credit union (NCUA charter #9822). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Santo Christo Federal Credit Union's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Santo Christo Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Fall River
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Natco Employees Federal Credit UnionCredit union West Warwick, RI | 93 out of 100, Very strong | $208K | 17.4% | 0.00% | vs |
| Attleboro M E Federal Credit UnionCredit union Attleboro, MA | 90 out of 100, Very strong | $24.6M | 13.7% | 0.13% | vs |
| First Citizens' Federal Credit UnionCredit union Fairhaven, MA | 83 out of 100, Strong | $705.9M | 20.2% | 0.77% | vs |
| Somerset Federal Credit UnionCredit union Somerset, MA | 78 out of 100, Strong | $263.3M | 12.5% | 0.19% | vs |
| Cumberland Municipal Employees Federal Credit UnionCredit union Cumberland, RI | 78 out of 100, Strong | $9.2M | 19.3% | 0.95% | vs |
| Mechanics Cooperative BankBank Taunton, MA | 77 out of 100, Strong | $898.8M | 12.4% | 0.03% | vs |