Side-by-side · Q2 2026 data
BayCoast Bank vs First Citizens' Federal Credit Union
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | BayCoast Bank | First Citizens' Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 83 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 52 | 74 (stronger) |
| Earnings | 40 | 57 (stronger) |
| Funding & liquidity | 50 | 88 (stronger) |
| Problem-loan coverage | 77 | 95 (stronger) |
| Peer percentile | 5th | 83rd |
| Total assets | $2.9B | $705.9M |
| Deposits / shares | $2.5B | $559.8M |
| Capital ratio | 8.29% | 20.19% (stronger) |
| Problem loans | 1.45% | 0.77% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.25% |
| Return on assets | 0.51% | 0.91% (stronger) |
| Loans ÷ deposits | 90.6% | 72.2% (stronger) |
| Uninsured deposits | 32.8% | 6.4% (stronger) |
| Offices | 26 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.1% | 8.6% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 46). On the 7 directional measures above (where higher or lower is clearly better), BayCoast Bank leads on 1 and First Citizens' Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.