SOUTHCOAST
Federal • New Bedford, Massachusetts • Est. 1976
Quick Facts
- Charter Number
- #22426
- Type
- Federal
- Established
- 1976
- Headquarters
- New Bedford, Massachusetts 02740
- Address
- 271 Union St
- Branches
- 6
- ATMs
- 5
- Members
- 4,337
- 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
4,337 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOUTHCOAST |
|---|---|
| Total Assets | $60.0M |
| Members | 4,337 |
| Loans Outstanding | $38.2M |
| Shares & Deposits | $48.5M |
| Net Worth | $7.2M |
| Net Worth Ratio | 11.94% |
| Loan-to-Share Ratio | 78.8% |
| Delinquency Rate | 0.31% |
| Net Income | +$277,670 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 5 ATMs
St Luke's Hospital
101 Page St
New Bedford, MA 02740
Charlton Memorial Hospital
363 Highland Ave
Fall River, MA 02720
Tobey Hospital
43 High St
Wareham, MA 02571
ATT Site
200 Mill Rd
Fairhaven, MA 02719
Union St
Main Office271 Union St
New Bedford, MA 02740
Who Can Join SOUTHCOAST?
Membership Type: Community
Membership eligibility for SOUTHCOAST may vary. Contact the credit union directly to confirm qualification requirements.
Contact SOUTHCOAST 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. SOUTHCOAST 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, SOUTHCOAST has 4,337 members and a potential membership field of 12,000 people.
SOUTHCOAST's net worth ratio is 11.94% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.9%, SOUTHCOAST meets this threshold.
SOUTHCOAST operates 6 branch locations and has access to 5 ATMs. The main office is located at 271 Union St, New Bedford, MA 02740.
SOUTHCOAST was established in 1976. It is a federal credit union chartered under charter number 22426. The institution has been serving members for 50 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SOUTHCOAST. All financial data is for informational purposes only.