Credit unions · Massachusetts · Q2 2026

Southcoast FCU

Credit union in New Bedford, MA · NCUA charter #22426 · Federal charter

Legal name: Southcoast

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets	$59.0M
Total loans & leases	$36.6M
Total shares & deposits	$48.0M
Members	4,298
Net worth	$7.3M
Net worth / assets	12.40%
Loans / assets	62.09%
Return on assets (annualized)	0.50%
Loan growth (YoY)	−3.42%
Member growth (YoY)	−2.38%
Delinquency, all loans (60+ days)	0.27%

Charter	Federal charter
Asset band	$50M–$250M
NCUA peer group	$50M–$100M
Sponsor type	Service (finance, health, transport, utilities)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online loan payments, bill payment, account aggregation, e-Statements, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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