SOUTHBRIDGE Credit Union Profile

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SOUTHBRIDGE

Charter #66374 | NCUA Region 1 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (508) 764-1773

Fax: (508) 764-1777

Founding Date: N/A

Website: https://www.southbridgecu.com

Personnel & Operations

President: Cyr, Phil

Manager: Theodoss, Katherine

FT Employees: 43

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 4

Hours: Mon, Tues, Wed, Fri 8:00am - 4:00pm Thursda

Credit Union Profile Summary

SOUTHBRIDGE is a FISCU Credit Union. With a total of 11,636 members ^[1], this institution manages approximately $231,823,255 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.71% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.25% ^[1].

Financial Snapshot

Total Assets ^[1]

$231,823,255

Total economic resources.

Total Loans ^[1]

$176,874,457

Total value of outstanding loans.

Total Deposits ^[1]

$203,660,670

Total funds deposited by members.

Members ^[1]

11,636

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.71%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.36%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

86.85%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 6.11%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 0.25%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -8.41%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

155 Main St

Southbridge, MA, 01550

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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