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Overview / Commentary
101 Page St
New Bedford, MA 02740

Southcoast Federal Credit Union is headquartered in New Bedford and is the 72nd largest credit union in the state of Massachusetts. It is also the 2,368th largest credit union in the nation. It was established in 1976 and as of December of 2017, it had grown to 14 employees and 4,629 members at 5 locations. Southcoast Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to Southcoast Health Systems employees, medical staff and volunteers.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Southcoast Federal Credit Union has a low asset base.

Health Grade Components

NCUA #22426
Year Chartered1976
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD3.9%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$47.7MM$48.4MM
LoansQ4 2017vs Q4 2016$26.4MM$23.8MM
DepositsQ4 2017vs Q4 2016$40.2MM$38.9MM
Equity CapitalQ4 2017vs Q4 2016$6.4MM$6.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$186.00K$156.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$272.00K$121.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southcoast Federal Credit Union Savings Account Rates

0.40%*$100k*-Tiered Savings Account
OTHER TIERS: 0.15% $1k - $2,500 | 0.20% $2,500 - $25k | 0.25% $25k - $100k
0.10%$50-Regular Share
0.10%--Club Accounts

Southcoast Federal Credit Union Checking Account Rates

0.05%$200-Share Draft

Southcoast Federal Credit Union CD Rates

1.99%$500-5 Year CD
1.50%$500-4 Year CD
1.25%$500-3 Year CD
1.00%$500-2 Year CD
0.75%$500-1 Year CD

Southcoast Federal Credit Union IRA Rates

1.99%$500-5 Year IRA
1.50%$500-4 Year IRA
1.25%$500-3 Year IRA
1.00%$500-2 Year IRA
0.75%$500-1 Year IRA

Southcoast Federal Credit Union Locations
Branch Office43 High StWareham, MA 02571
Branch Office101 Page StNew Bedford, MA 02740
Branch Office200 Mill RdFairhaven, MA 02719
Branch Office363 Highland AveFall River, MA 02720
Branch Office68 Thomas StFall River, MA 02723-2404

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