Charter 66374 · Southbridge, MA
Southbridge Credit Union
Southbridge Credit Union is a state-chartered credit union in Southbridge, Massachusetts, with $242 million in assets and 11,342 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.62%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $242 million
- +4.6% in a year
- Members
- 11,342
- -2.5% in a year
- Net worth ratio
- 10.62%
- Peer median 11.65%
- Loans 60+ days late
- 0.23%
- Peer median 0.70%
- Loans outstanding
- $181 million
- +2.4% in a year
- Shares and deposits
- $212 million
- +4.3% in a year
- Branches
- 4
- 44 employees
- Opened
- 1938
- Massachusetts charter
How Southbridge Credit Union compares
NCUA groups credit unions by size; Southbridge Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.62% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.23%, is lower than the group median of 0.70%. Loans grew 2.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 41 of 121 credit unions headquartered in Massachusetts. See all Massachusetts credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $242 million | 11,342 | $181 million | 10.62% | 0.23% |
| Q1 2026 | $242 million | 11,310 | $177 million | 10.53% | 0.24% |
| Q4 2025 | $236 million | 11,332 | $174 million | 10.67% | 0.23% |
| Q3 2025 | $231 million | 11,476 | $175 million | 10.89% | 0.20% |
| Q2 2025 | $232 million | 11,636 | $177 million | 10.71% | 0.18% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 150,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Southbridge Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office
179 Main St, Southbridge, MA 01550 - Fiskdale
514 Main St, Sturbridge, MA 01518 - Hobbs Brook
120 Charlton Rd, Sturbridge, MA 01566 - Auburn
732 Southbridge St, Auburn, MA 01501 - Lending Center/Operations (main office)
155 Main St, Southbridge, MA 01550
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology