SOUTHBRIDGE
State-Chartered • Southbridge, Massachusetts • Est. 1938
Quick Facts
- Charter Number
- #66374
- Type
- State-Chartered
- Established
- 1938
- Headquarters
- Southbridge, Massachusetts 01550
- Address
- 155 Main St
- Branches
- 5
- ATMs
- 4
- Members
- 11,332
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
11,332 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOUTHBRIDGE |
|---|---|
| Total Assets | $236.3M |
| Members | 11,332 |
| Loans Outstanding | $173.9M |
| Shares & Deposits | $206.9M |
| Net Worth | $25.2M |
| Net Worth Ratio | 10.67% |
| Loan-to-Share Ratio | 84.0% |
| Delinquency Rate | 0.23% |
| Net Income | +$1,372,938 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 4 ATMs
Main Office
179 Main St
Southbridge, MA 01550
Fiskdale
514 Main St
Sturbridge, MA 01518-1212
Hobbs Brook
120 Charlton Rd
Sturbridge, MA 01566-1564
Auburn
732 Southbridge St
Auburn, MA 01501
Lending Center/Operations
Main Office155 Main St
Southbridge, MA 01550
Who Can Join SOUTHBRIDGE?
Membership Type: Community
Membership eligibility for SOUTHBRIDGE may vary. Contact the credit union directly to confirm qualification requirements.
Contact SOUTHBRIDGE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Massachusetts RankingsFrequently Asked Questions
Yes. SOUTHBRIDGE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SOUTHBRIDGE has 11,332 members and a potential membership field of 150,000 people.
SOUTHBRIDGE's net worth ratio is 10.67% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.7%, SOUTHBRIDGE meets this threshold.
SOUTHBRIDGE operates 5 branch locations and has access to 4 ATMs. The main office is located at 155 Main St, Southbridge, MA 01550.
SOUTHBRIDGE was established in 1938. It is a state-chartered credit union chartered under charter number 66374. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SOUTHBRIDGE. All financial data is for informational purposes only.