Fairhaven, Massachusetts · Peer group 6
First Citizens' Credit Union
First Citizens' Credit Union holds $697.0M in assets across 42,903 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1937. Charter number 24254, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $697.0M |
|---|---|
| Total loans | $397.9M |
| Total shares (deposits) | $550.8M |
| Net worth | $140.6M |
| Members | 42,903 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.9% | |
|---|---|---|
| Loans | -15.5% | lower than 99% of its peer group |
| Deposits | -0.4% | around the 11th percentile of its peer group |
| Members | -3.8% | lower than 90% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 72.2% | around the 22nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 20.2% | higher than 99% of its peer group |
| Return on assets | 0.76% | around the 57th percentile of its peer group |
| Delinquency ratio | 0.42% | around the 29th percentile of its peer group |
| Cash / assets | 34.4% | higher than 99% of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is First Citizens' Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
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