St. Michaels Fall River Federal Credit Union is a federal credit union headquartered in Fall River, Massachusetts, in business for about 73 years. At the end of Q2 2026 it reported $121.4M in total assets and $110.0M in member shares and deposits, with 2 offices.
St. Michaels Fall River Federal Credit Union has a TellerScore of 48 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 116th. Problem-loan coverage contributes the most (67/100, 16.3%); earnings contributes the least (41/100, 0.52%).
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 (49 → 48).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 45 |
| Q4 2024 | 49 |
| Q1 2025 | 41 |
| Q2 2025 | 49 |
| Q3 2025 | 45 |
| Q4 2025 | 50 |
| Q1 2026 | 41 |
| Q2 2026 | 48 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.99% |
| Q3 2024 | 8.93% |
| Q4 2024 | 8.74% |
| Q1 2025 | 8.49% |
| Q2 2025 | 8.58% |
| Q3 2025 | 8.36% |
| Q4 2025 | 8.87% |
| Q1 2026 | 8.81% |
| Q2 2026 | 9.25% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.69% |
| Q3 2024 | 1.75% |
| Q4 2024 | 1.42% |
| Q1 2025 | 1.62% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.66% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.11% |
| Q2 2026 | 1.70% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.42% |
| Q1 2025 | -0.19% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.45% |
| Q1 2026 | -0.06% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $121.4M | 9.25% | 1.70% | 0.52% | 97.7% |
| Q1 2026 | 41 | $123.6M | 8.81% | 1.11% | -0.06% | 92.7% |
| Q4 2025 | 50 | $123.1M | 8.87% | 1.40% | 0.45% | 94.6% |
| Q3 2025 | 45 | $128.3M | 8.36% | 1.66% | 0.38% | 93.8% |
| Q2 2025 | 49 | $122.5M | 8.58% | 1.20% | 0.23% | 97.4% |
| Q1 2025 | 41 | $121.4M | 8.49% | 1.62% | -0.19% | 95.7% |
| Q4 2024 | 49 | $118.5M | 8.74% | 1.42% | 0.42% | 96.2% |
| Q3 2024 | 45 | $114.7M | 8.93% | 1.75% | 0.44% | 99.2% |
| Q2 2024 | 47 | $113.1M | 8.99% | 1.69% | 0.53% | 98.8% |
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-American Credit UnionCredit union Peabody, MA | 84 out of 100, Strong | $123.0M | 16.2% | 0.22% | vs |
| Brotherhood Credit UnionCredit union Lynn, MA | 85 out of 100, Very strong | $125.2M | 43.7% | 1.18% | vs |
| Nesc Federal Credit UnionCredit union Methuen, MA | 64 out of 100, Moderate | $125.9M | 10.6% | 0.91% | vs |
| Energy Credit UnionCredit union West Roxbury, MA | 72 out of 100, Strong | $128.8M | 16.9% | 1.43% | vs |
| Worcester Credit UnionCredit union Worcester, MA | 71 out of 100, Strong | $107.3M | 11.8% | 0.87% | vs |
| First Priority Credit UnionCredit union Boston, MA | 75 out of 100, Strong | $139.4M | 13.1% | 0.07% | vs |
Deposit insurance
Is my money safe at St. Michaels Fall River Federal Credit Union?
Yes. St. Michaels Fall River Federal Credit Union is a federally insured credit union (NCUA charter #8915). 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 8.4% of shares and deposits ($9.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 9.25%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
St. Michaels Fall River Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Fall River, MA (1)
- Somerset, MA (1)
Identity & history
Profile
- Legal name
- St. Michaels Fall River Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8915
- RSSD ID
- 364681
- Primary regulator
- NCUA
- Established
- 1953
- Headquarters
- 775 Davol St, Fall River, MA 02720
- Employees
- 12
Quick answers
St. Michaels Fall River Federal Credit Union: common questions
Is St. Michaels Fall River Federal Credit Union NCUA insured?
Yes. St. Michaels Fall River Federal Credit Union is a federally insured credit union (NCUA charter #8915). 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 St. Michaels Fall River Federal Credit Union's TellerScore?
48 out of 100 (Below average), 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 St. Michaels Fall River Federal Credit Union have?
2 offices 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 |
|---|---|---|---|---|---|
| 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 |
| Sharon & Crescent United Credit UnionCredit union Sharon, MA | 76 out of 100, Strong | $1.4B | 12.8% | 0.43% | vs |