Federal credit union · FAIRHAVEN, Massachusetts · NCUA charter #24254
First Citizens'
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $684.3M
- Total assets
- 43,342
- Members
- 20.2%
- Net-worth ratio
First Citizens' scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $684.3M; members 43,342; net-worth ratio 20.17%; health rank #2,052 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,052 of 4,374 health · 2025Q4First Citizens' · health 84/100 · $684.3M · 2025Q4
- BOOK 84/100
- CHARTER 20.2%
- NCUSIF 0.87%
- CAMELS 0.77%
- HEALTH $684.3M
- NW 43,342
- DELQ #2,052/4,374
- ROA APCI
- ASSETS 24254
Call Report peers
First Citizens' in the assets neighbourhood
First Citizens''s $684.3M assets sit next to APCI ($686.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Citizens' vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
First Citizens' - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24254 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for First Citizens'
- Largest favorable gap: Net Worth Ratio at 20.17% vs peer 11.18% (+8.99 pp).
- Loan-to-Share Ratio trails the peer set - 76.28% here, 83.90% peer average (-7.62 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Massachusetts standing for First Citizens'
- In Massachusetts, health place is #62 of 126 on the same NCUA-ratio sort used nationally.
- By total assets, First Citizens' is #24 of 126 in Massachusetts.
- Membership ranks #15 of 126 among Massachusetts CUs with a reported count (43,342 members).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How First Citizens''s 5300 filing moved
First Citizens': total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $684.3M (2025Q4) to $697.0M (2026Q1).
- Net-worth ratio shifted +0.35 pp (19.82% → 20.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 20.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 15.0 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.17% | +8.99 pp |
| Delinquency Rate | 0.87% | -0.00 pp |
| Return on Assets | 0.77% | +0.26 pp |
| Member Growth | -3.62% | - |
| Loan-to-Share Ratio | 76.28% | -7.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
First Citizens' filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $697.0M | - |
| 2025Q4 | $684.3M | 43,342 |
| 2024Q4 | $676.4M | 44,968 |
| 2023Q4 | $711.7M | 65,351 |
Credit Union Details
- Charter Number
- 24254
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- FAIRHAVEN
- Data Quarter
- 2025Q4
Branch Locations (11)
First Citizens' operates 11 offices across 9 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ADMINISTRATION CTR (Main Office) | FAIRHAVEN, MA |
| HYANNIS | HYANNIS, MA |
| MASHPEE | MASHPEE, MA |
| Mattapoisett | Mattapoisett, MA |
| DOWNTOWN NEW BEDFORD | NEW BEDFORD, MA |
| NORTH NEW BEDFORD | NEW BEDFORD, MA |
| SOUTH NEW BEDFORD | NEW BEDFORD, MA |
| ORLEANS | ORLEANS, MA |
| RAYNHAM | RAYNHAM, MA |
| SOUTH DENNIS | South Dennis, MA |
| TAUNTON | TAUNTON, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Cross-state Call Report peers for First Citizens'
Cross-state asset and health neighbours for First Citizens' - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($684.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- First Citizens' ranks #2,052 of 4,374 nationally on financial health and #62 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Umassfive College is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Umassfive College
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Citizens' financially healthy?
A 20.17% net worth ratio and a 0.87% delinquency rate feed into First Citizens''s financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,052 of 4,374; by total assets it ranks #627 of 4,374 nationally (same basis as /rankings/largest); and #24 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does First Citizens' compare to other credit unions?
Five weighted metrics from NCUA filings produce First Citizens''s 84/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join First Citizens'?
First Citizens' operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact First Citizens' directly for the exact boundaries and application steps.
Is my money safe at First Citizens'?
Federal credit unions like First Citizens' are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. First Citizens''s net worth ratio of 20.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Citizens' offer compared to banks?
Credit unions like First Citizens' are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Citizens' directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.