# SOUTHCOAST
New Bedford, MA · NCUA charter 22426 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/southcoast-22426

Who the members are: federal charter, multiple common bond, organized 1976, low-income designated. 4,315 members of 12,000 potential (36.0% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $60.3M |
| Members | 4,315 (-2.1% YoY) |
| Full-time staff | 17 |
| Net worth | $7.3M |
| Net worth ratio | 12.0% (p42 of band) |
| ROA (annualized) | 0.62% (p45 of band) |
| Total delinquency | 0.42% (p39 of band) |
| Net charge-offs (annualized) | -0.01% (p11 of band) |
| Loans / shares | 76% (p77 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 6.40% |
| Net interest margin | 3.13% (p22 of band) |
| Operating expense / assets | 3.31% (p41 of band) |
| Vehicles % of loans | 10% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p57 of band) |
| Vehicle delinquency | 0.01% (p11 of band) |
| Vehicle NCO | 0.10% (p42 of band) |
| Repossessed % of vehicle book | 8.51% (p100 of band) |
| Real estate % of loans | 87% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 5% |
| Average share balance | $5,519 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $173,377 |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $24,124 |
| Loans granted, annualized | $7.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $173,377 outstanding purchased (2.4% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -0.1% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 5 | losing money, delinquency 2x band, delinquency rising, members leaving |  |
| 2017-06 | 1 | net worth falling | leaning on borrowings, losing money, delinquency 2x band, delinquency rising, members leaving |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 3 | net worth falling, assets shrinking, members leaving |  |
| 2018-09 | 1 |  | net worth falling, assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 2 |  | members leaving |
| 2019-09 | 3 | assets shrinking |  |
| 2019-12 | 3 | losing money, leaning on borrowings | delinquency 2x band, assets shrinking |
| 2020-03 | 4 | net worth falling, margin squeeze, delinquency 2x band | delinquency rising, losing money |
| 2020-06 | 5 | loan book shrinking |  |
| 2020-09 | 6 | losing money |  |
| 2020-12 | 6 | delinquency rising | loan book shrinking |
| 2021-03 | 6 |  |  |
| 2021-06 | 5 |  | delinquency rising |
| 2021-09 | 4 |  | margin squeeze |
| 2021-12 | 6 | charge-offs p90, members leaving |  |
| 2022-03 | 4 |  | losing money, charge-offs p90 |
| 2022-06 | 2 |  | net worth falling, members leaving |
| 2022-09 | 4 | assets shrinking, members leaving |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 1 |  | leaning on borrowings, assets shrinking, members leaving |
| 2023-06 | 1 | leaning on borrowings | delinquency 2x band |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | assets shrinking, members leaving |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | repo signal |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 3 |  | members leaving |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-30 [Join the Podkowa 5k in Fairhaven to support cancer care on Oct. 5 - Fall River Herald News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPWXZCYVZyZHZaX29VSWRWRmptRWFOODNtTEQzUEhtM2RiZGtjMi1acm9raURCMXZOVnpkVUxlYUM4c1ZUQ3NfNzZnMUxyUVc1T21VMFhhSTg0em9DYlphdzhrY2lhYnFuN0pDSFhoOUdaLUxLb3NKd3QtR0NUMFFPSklkbjMxclZWWjdQY2pOVFZHQmlfd2NQRENibUk3WEg1MUNBZlJGSkoxejZ3MTRHUWg4eXl5czI5ZDAxaDJQSDRadw?oc=5) · Fall River Herald News
- 2012-04-08 [SouthCoast business in brief - SouthCoastToday.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQVmtSdDJRY1JDekZrRFFONk9PQzFQUGxwQ3g5MHo3UF9TWnYwbVhsNWJxeHJBRXNFZHVtaV9jOV92bGRUbUI2M295SG5VMGVsUk9ueE9Db2xHbEZLY0xYM3Z6Q01kUTJLOWRrSUZFOXpCWEF0OHpwejIzdVlMX2RDUjhKOW1yTWFNZXY0S1JFXzRqRGF5Mi1PQVdFUnpZdXQ0?oc=5) · SouthCoastToday.com
- 2022-12-06 [St. Anne’s Credit Union Opens Newest Full-Service Branch in Fall River, MA - Fall River Reporter](https://news.google.com/rss/articles/CBMipAFBVV95cUxNNUd3NVVmOUc3WkJTRU5IWk85Unc5bUdxbzVYaUlQTDliZnJuN1F0bFdsbk9zdVBSMDE4MXROcGwtOGhFRmRFNGo3NGNKOUV3dk82RzFUMDFCQ0p5Z0NmTVN5cFhlRGM4THdLUEMzeW05UDllR0NabWZGZzlpUHpUT1RadHFZQmdLYllqY1JOc0c5d3pWdFN4WEZ5ZG5sUG1iaWloc9IBpAFBVV95cUxNNUd3NVVmOUc3WkJTRU5IWk85Unc5bUdxbzVYaUlQTDliZnJuN1F0bFdsbk9zdVBSMDE4MXROcGwtOGhFRmRFNGo3NGNKOUV3dk82RzFUMDFCQ0p5Z0NmTVN5cFhlRGM4THdLUEMzeW05UDllR0NabWZGZzlpUHpUT1RadHFZQmdLYllqY1JOc0c5d3pWdFN4WEZ5ZG5sUG1iaWlocw?oc=5) · Fall River Reporter
- 2020-11-28 [St. Anne’s Credit Union recognized as #1 Credit Union in SouthCoast Media Group’s Best of the Best - Fall River Herald News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOMGd6elV2bUhtQ0dDNi1wUVlUMlRXMWFEemdZS0QtOERqVXN0Y2xOa1J4RDlVazlLbGZLRk82cGNoMmFORTVUUTFlbmNjQUVYR1J3Ym5ZZWowQ3hCbVg1MkhmTXBjWjJtMnNmb1NBR1dyVzAtNmd2bWtNUmdtRFUzaWRtdnNUdVpXRlJZQjNsX0ZDTjd0OEgtREIwajBJLWtNZ3ZmVHhTYTZxTnZSRW1tLWtLNk1BelJEYzZOc29PeV9HMjVPLTJrTg?oc=5) · Fall River Herald News
- 2019-08-05 [St. Anne’s Hires Charles Coelho as Mortgage Loan Officer - Providence Business News](https://news.google.com/rss/articles/CBMie0FVX3lxTE5IWlVTWmV0VEhRVDFJa2Y5a2hyUDhWM3FzSE1QOWpLVWt2d3V2a1NGWG03dTVnWjVKVVJMUHdwNXl5MjE2eTg2eEZWZUwxX0hCQUFIcm9oYnNscVUwZEdiYlZ6MTl4VmtqaTJQNUVpTmJfSEJLbnVuZU5Qa9IBgwFBVV95cUxPcGVsV2laazlDUUN5NXZZXzRWdmV3RTZ6Y0twLTliazhzZWozbm9oQXI0UHJ6ZG16dXcxNzNWcHMzVVNWcDVfcTdTNk1MYlFIOE1mbVJyLW5GczVuTWVsRzJ1S05vMDNwVVdhWExZVmpmazlpQjVzRTVGMEJ5RlQwdFE3QQ?oc=5) · Providence Business News
- 2024-12-05 [New Bedford’s Capitol Theater Set for CEDC Overhaul - FUN 107](https://news.google.com/rss/articles/CBMiekFVX3lxTE1PUlZRQlJKMm8zVDdmN0M4Q19nU3FYLUl4Nlh1ajdjaVg2aXdTTExqM0hfZjVrQjZLTnBCVzZ4WFB2M1dwRnFyWkV3b0FWQlF1YnFHc2d3ak9sVWRXU2h3bkFkXzJMT21iRGtXOElJaEFKc2kzTjN5OHdB?oc=5) · FUN 107
- 2019-07-29 [St. Anne’s Credit Union recognized as “Best Financial Institution,” third year in a row - New Bedford Guide](https://news.google.com/rss/articles/CBMihAFBVV95cUxOOUotRTNWZ3Jrc3diWTNFSDFPMmNRVzhjZU1penc0a0J6M1J6NW9fSE1PTEVWNnBlTjlkdWNCTHMzdlZEMUJ0X3RyX0lhQnZYM0o3QzF3RktoT2pEQ0NfTEUteEJheWJEU1h6dWxicnpwMHkycEZFeWVYYkhjUUVJbFA1b1A?oc=5) · New Bedford Guide
- 2019-11-10 [Robert Gauthier Obituary - South Dartmouth, MA - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxPM3BucmExYWJ2enF0LU83dmlacjlHTXhmcWc2OUU3WVZhU3ZJQzNORXJsMGZ5UEg3eVlZczB2Z3lWQVJMcnVjSVo1WUhvSGdxOG1SUGYwNGVRRnBBZVZIWlZxVXBCc001NlVaMVpwd3FNTTdfMURORm43QUtWQmF3cG5yU0l5X0diNFktUDFB?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22426 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/26.json (key "22426", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=22426
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide