CU Explorer
Credit unions · Massachusetts · Q2 2026

Santo Christo FCU

Credit union in Fall River, MA · NCUA charter #9822 · Federal charter

Legal name: Santo Christo

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

Total assets$18.5M
Total loans & leases$11.6M
Total shares & deposits$17.5M
Members1,979
Net worth$1.7M
Net worth / assets9.10%
Loans / assets62.63%
Return on assets (annualized)0.94%
Loan growth (YoY)9.85%
Member growth (YoY)−33.23%
Delinquency, all loans (60+ days)0.08%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeCommunity

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 loan 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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