credit union · NCUA 9822 · MA
How big is SANTO CHRISTO?
SANTO CHRISTO (MA, NCUA charter 9822) reported total assets of $18.5M, 1,979 members and a net worth ratio of 9.10% in its Call Report for 2026Q2. That ranks 3162 of 4,299 federally insured credit unions by assets, 769 of 1,135 among credit unions with $10m-$50m in assets, 94 of 121 credit unions in massachusetts.
What stands out
SANTO CHRISTO (MA, NCUA charter 9822) reported total assets of $18.5M, 1,979 members and a net worth ratio of 9.10% in its Call Report for 2026Q2. That ranks 3162 of 4,299 federally insured credit unions by assets, 769 of 1,135 among credit unions with $10m-$50m in assets, 94 of 121 credit unions in massachusetts. Against its size class: net worth ratio 9.10%, below the peer median of 13.88%; loan-to-share ratio 66.36%, above the peer median of 57.77%; return on assets 0.94%, above the peer median of 0.70%. At 9.10% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $18.5M | $25.2M | $81.8M | $68.3M | record → |
| Shares and deposits | $17.5M | $21.4M | $67.8M | $58.3M | record → |
| Loans outstanding | $11.6M | $11.2M | $42.6M | $34.4M | record → |
| Net income (year to date) | $87.1k | $82.1k | $172.3k | $222.2k | record → |
| Net worth | $1.7M | $3.4M | $9.5M | $9.0M | record → |
| Net worth ratio | 9.10% | 13.88% | 12.11% | 12.65% | record → |
| Loan-to-share ratio | 66.36% | 57.77% | 76.11% | 68.70% | computed |
| Return on assets | 0.94% | 0.70% | 0.56% | 0.71% | computed |
| Members | 1,979 | 2,092 | 4,111 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $18.5M | $17.5M | $11.6M | $87.1k | 9.10% | 1,979 | 3162 |
| 2026Q1 | $19.2M | $17.5M | $11.4M | $39.7k | 8.53% | 1,978 | 3161 |
| 2025Q4 | $18.3M | $16.6M | $11.3M | $170.9k | 8.75% | 1,979 | 3199 |
| 2025Q3 | $17.9M | $16.3M | $11.3M | $135.8k | 8.72% | 2,111 | 3229 |
| 2025Q2 | $18.5M | $16.9M | $10.6M | $86.1k | 8.20% | 2,964 | 3233 |
| 2025Q1 | $18.5M | $17.0M | $10.8M | $43.3k | 7.94% | 2,951 | 3258 |
| 2024Q4 | $18.4M | $16.9M | $10.6M | $169.0k | 7.76% | 2,935 | 3279 |
| 2024Q3 | $16.8M | $15.4M | $10.4M | $72.1k | 7.91% | 2,915 | 3357 |
| 2024Q2 | $16.8M | $15.4M | $10.4M | $39.0k | 7.74% | 2,896 | 3383 |
| 2024Q1 | $16.4M | $15.1M | $10.5M | $13.1k | 7.79% | 2,870 | 3424 |
| 2023Q4 | $16.7M | $15.3M | $10.3M | $46.0k | 7.57% | 2,845 | 3418 |
| 2023Q3 | $15.9M | $14.6M | $10.4M | $24.0k | 7.81% | 2,821 | 3485 |
| 2023Q2 | $16.3M | $14.8M | $9.8M | $12.6k | 7.56% | 2,807 | 3481 |
| 2023Q1 | $16.0M | $14.5M | $9.8M | $2.4k | 7.65% | 2,787 | 3523 |
| 2022Q4 | $15.5M | $14.3M | $9.5M | $-26.0k | 7.83% | 2,747 | 3575 |
| 2022Q3 | $15.7M | $14.4M | $9.2M | $-27.7k | 7.74% | 2,732 | 3588 |
| 2022Q2 | $15.6M | $14.4M | $8.7M | $-22.3k | 7.80% | 2,710 | 3611 |
| 2022Q1 | $15.4M | $14.1M | $7.9M | $-9.9k | 7.99% | 2,685 | 3647 |
| 2021Q4 | $15.7M | $14.5M | $8.2M | $-2.5k | 7.89% | 2,661 | 3632 |
| 2021Q3 | $15.5M | $14.2M | $7.7M | $375 | 8.03% | 2,643 | 3655 |
| 2021Q2 | $15.1M | $13.8M | $7.1M | $3.5k | 8.27% | 2,607 | 3700 |
| 2021Q1 | $15.1M | $13.8M | $6.9M | $5.8k | 8.26% | 2,590 | 3710 |
| 2020Q4 | $14.3M | $13.0M | $7.0M | $16.0k | 8.67% | 2,559 | 3720 |
| 2020Q3 | $13.8M | $12.5M | $7.4M | $14.1k | 8.98% | 2,528 | 3744 |
| 2020Q2 | $13.9M | $12.6M | $7.3M | $7.0k | 8.90% | 2,508 | 3734 |
| 2020Q1 | $12.6M | $11.3M | $7.6M | $6.2k | 9.81% | 2,489 | 3792 |
| 2019Q4 | $12.4M | $11.1M | $7.6M | $54.7k | 9.88% | 2,468 | 3794 |
| 2019Q3 | $12.3M | $11.0M | $7.6M | $39.7k | 9.81% | 2,438 | 3810 |
| 2019Q2 | $12.4M | $11.2M | $7.6M | $26.3k | 9.64% | 2,406 | 3816 |
| 2019Q1 | $12.1M | $10.9M | $7.7M | $14.7k | 9.78% | 2,389 | 3859 |
| 2018Q4 | $11.5M | $10.3M | $7.5M | $25.8k | 10.16% | 2,363 | 3917 |
| 2018Q3 | $11.6M | $10.4M | $7.3M | $19.2k | 10.07% | 2,349 | 3944 |
| 2018Q2 | $11.9M | $10.7M | $7.1M | $6.9k | 9.68% | 2,318 | 3935 |
| 2018Q1 | $12.0M | $10.8M | $7.2M | $10.8k | 9.61% | 2,296 | 3936 |
| 2017Q4 | $11.7M | $10.5M | $7.2M | $-25.6k | 9.81% | 2,257 | 3977 |
| 2017Q3 | $11.7M | $10.5M | $7.1M | $17.3k | 10.16% | 2,239 | 4004 |
| 2017Q2 | $11.8M | $10.5M | $7.5M | $17.3k | 10.09% | 2,216 | 4030 |
| 2017Q1 | $11.8M | $10.6M | $7.2M | $10.8k | 9.98% | 2,189 | 4032 |
| 2016Q4 | $11.5M | $10.3M | $7.3M | $44.7k | 10.19% | 2,163 | 4064 |
| 2016Q3 | $11.6M | $10.4M | $7.6M | $35.7k | 10.03% | 2,138 | 4080 |
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