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.

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 74).

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

Yes. Southcoast Federal Credit Union is a federally insured credit union (NCUA charter #22426). 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 5.3% of shares and deposits ($2.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.40%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Southcoast Federal Credit Union lists 6 offices in 4 cities. Most locations:

• New Bedford, MA (3)
• Fairhaven, MA (1)
• Fall River, MA (1)
• Wareham, MA (1)

All branch addresses and map

In 2025, Southcoast Federal Credit Union reported 72 home-loan applications under HMDA (LEI 549300T5T60SK9MMCD03): 59 originated ($5,875,000 total), 10 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.1%, 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.

Legal name

Southcoast Federal Credit Union

Type

Federal credit union

NCUA charter #

22426

RSSD ID

591683

Primary regulator

NCUA

Established

1976

Headquarters

271 Union St, New Bedford, MA 02740

Employees

19