Credit union · NCUA insured
Santo Christo FCU
A $19.2M credit union headquartered in Fall River, MA, with 1,978 members and 2 branches in Massachusetts. Best rates: savings 0.05% APY.
Santo Christo FCU Carrot Score
64
Carrot Score
Higher than 10% of U.S. banks and credit unions
#41 of 44 in Providence, RI-MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Santo Christo FCU
Founded in 1954, Santo Christo Federal Credit Union was established to serve parishioners of Santo Christo and St. Louis Catholic Parishes and residents of Fall River's Wards Two, Three, and Four.
The credit union is headquartered in Fall River, Massachusetts.
In 2001, the credit union expanded its charter to include persons who live, work, or attend school in, and businesses located in, several Massachusetts and Rhode Island communities.
- Headquarters
- 149 Columbia St, Fall River, MA 02721-1360
- NCUA charter
- 9822
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, or attend school in and businesses located in Fall River MA, Somerset MA, Swansea MA, Westport MA, or Tiverton RI.
Branches
2 branches in Massachusetts
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Massachusetts
2 branches
- Santo Christo Federal Credit UnionMain office149 Columbia St, Fall River, MA 02721Directions
- New Bedford Credit Union1150 Purchase St, New Bedford, MA 02740Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.10% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.08% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.95% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $66 | $59 | — |
- CapitalNet worth ratio9.10%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.08%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.95%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$66Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Santo Christo FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.