Sep, 30, 2025 — SANTO CHRISTO FEDERAL CREDIT UNION is a federal credit union headquartered in FALL RIVER, MA with 1 branch location and about $17.94 million in total assets. Opened 72 years ago in 1954, SANTO CHRISTO FEDERAL CREDIT UNION has about 2,111 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SANTO CHRISTO FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 149 Columbia St FALL RIVER, MA 02721-1360 |
| Phone: | (508) 673-9210 |
| Fax: | (508) 673-6403 |
| Website: | https://www.santochristocu.com |
| Branches: | 1 branch locations |
| Members: | 2,111 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 9822 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $17,943,440 |
| CEO/Manager: | Margaret A Diogo |
| Chairperson: | Gregory Brilhante |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 556,027 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 7,006,031 |
| Unsecured Loans | 1,231,831 |
| Other Loans | 3,028,052 |
| TOTAL LOANS | 11,265,914 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -75,899 |
| Land And Building | 89,139 |
| Other Fixed Assets | 27,367 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 164,979 |
| All Other Assets | 0 |
| TOTAL ASSETS | 17,943,440 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 35,989 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 28,436 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,876,704 |
| Regular shares | 11,379,646 |
| All Other Shares & Deposits | 3,058,038 |
| TOTAL SHARES & DEPOSITS | 16,314,388 |
| TOTAL LIABILITIES | 16,378,813 |
| Regular Reserve | 0 |
| Other Reserves | 266,647 |
| Undivided Earnings | 1,297,980 |
| TOTAL EQUITY | 1,564,627 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 17,943,440 |
| INCOME & EXPENSE | |
| Loan Income | 447,726 |
| Investment Income | 128,199 |
| Other Income | 51,732 |
| Total Employee Compensation & Benefits | 224,397 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 260,694 |
| Non-operating Income & (Expense) | 21,539 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 23,000 |
| Cost of Funds | 5,277 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 135,828 |
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