Southbridge Credit Union (NCUA charter #66374) is based in Southbridge, Massachusetts. Its Q2 2026 call report shows $242.4M in total assets and $212.5M in member shares and deposits and 5 offices.
Based on its Q2 2026 filing, Southbridge Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 71st. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is earnings (37/100; 0.42%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 68).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 69 |
| Q2 2026 | 68 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.17% |
| Q3 2024 | 11.42% |
| Q4 2024 | 10.97% |
| Q1 2025 | 10.54% |
| Q2 2025 | 10.71% |
| Q3 2025 | 10.89% |
| Q4 2025 | 10.67% |
| Q1 2026 | 10.53% |
| Q2 2026 | 10.62% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.30% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.23% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.36% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.45% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $242.4M | 10.62% | 0.23% | 0.42% | 85.2% |
| Q1 2026 | 69 | $242.3M | 10.53% | 0.24% | 0.49% | 83.1% |
| Q4 2025 | 69 | $236.3M | 10.67% | 0.23% | 0.45% | 84.0% |
| Q3 2025 | 69 | $230.9M | 10.89% | 0.20% | 0.43% | 86.7% |
| Q2 2025 | 68 | $231.8M | 10.71% | 0.18% | 0.36% | 86.8% |
| Q1 2025 | 67 | $233.2M | 10.54% | 0.14% | 0.28% | 86.9% |
| Q4 2024 | 66 | $222.5M | 10.97% | 0.30% | 0.23% | 89.9% |
| Q3 2024 | 67 | $214.7M | 11.42% | 0.32% | 0.23% | 95.7% |
| Q2 2024 | 68 | $218.5M | 11.17% | 0.12% | 0.21% | 94.9% |
1,341 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| Luso Federal Credit UnionCredit union Ludlow, MA | 61 out of 100, Moderate | $244.6M | 11.1% | 1.10% | vs |
| Shrewsbury Federal Credit UnionCredit union Shrewsbury, MA | 69 out of 100, Moderate | $249.4M | 8.7% | 0.35% | vs |
| Greater Springfield Credit UnionCredit union Springfield, MA | 94 out of 100, Very strong | $230.3M | 19.7% | 0.45% | vs |
| Tremont Credit UnionCredit union Boston, MA | 55 out of 100, Moderate | $256.5M | 10.6% | 1.43% | vs |
| Somerset Federal Credit UnionCredit union Somerset, MA | 78 out of 100, Strong | $263.3M | 12.5% | 0.19% | vs |
| Alltrust Credit UnionCredit union Fairhaven, MA | 25 out of 100, Low | $280.2M | 8.5% | 3.57% | vs |
Deposit insurance
Is my money safe at Southbridge Credit Union?
Yes. Southbridge Credit Union is a federally insured credit union (NCUA charter #66374). 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 6.8% of shares and deposits ($14.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.62%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
Southbridge Credit Union lists 5 offices in 3 cities. Most locations:
- Southbridge, MA (2)
- Sturbridge, MA (2)
- Auburn, MA (1)
HMDA 2025
Mortgage lending
In 2025, Southbridge Credit Union reported 87 home-loan applications under HMDA (LEI 5493005JR8XLPW5ROU93): 57 originated ($12,415,000 total), 22 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Southbridge Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 66374
- RSSD ID
- 90391
- Primary regulator
- State + NCUA
- Established
- 1938
- Headquarters
- 155 Main St, Southbridge, MA 01550
- Employees
- 44
Quick answers
Southbridge Credit Union: common questions
Is Southbridge Credit Union NCUA insured?
Yes. Southbridge Credit Union is a federally insured credit union (NCUA charter #66374). 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 Southbridge Credit Union's TellerScore?
68 out of 100 (Moderate), 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 Southbridge Credit Union have?
5 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Southbridge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stafford Savings BankBank Stafford Springs, CT | 95 out of 100, Very strong | $507.0M | 50.6% | 0.56% | vs |
| Webster First Federal Credit UnionCredit union Worcester, MA | 87 out of 100, Very strong | $1.5B | 19.7% | 0.41% | vs |
| Charter Oak Federal Credit UnionCredit union Waterford, CT | 85 out of 100, Very strong | $1.7B | 12.5% | 0.50% | vs |
| Allcom Credit UnionCredit union Worcester, MA | 85 out of 100, Very strong | $81.8M | 16.6% | 0.07% | vs |
| Middlesex Savings BankBank Natick, MA | 79 out of 100, Strong | $6.1B | 13.4% | 0.33% | vs |
| Liberty BankBank Middletown, CT | 79 out of 100, Strong | $9.4B | 13.4% | 0.32% | vs |