Side-by-side · Q2 2026 data
Bluestone Bank vs First Citizens' Federal Credit Union
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Bluestone Bank | First Citizens' Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 83 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 65 | 74 (stronger) |
| Earnings | 32 | 57 (stronger) |
| Funding & liquidity | 47 | 88 (stronger) |
| Problem-loan coverage | 82 | 95 (stronger) |
| Peer percentile | 8th | 83rd |
| Total assets | $1.6B | $705.9M |
| Deposits / shares | $1.3B | $559.8M |
| Capital ratio | 9.52% | 20.19% (stronger) |
| Problem loans | 1.04% | 0.77% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.25% |
| Return on assets | 0.30% | 0.91% (stronger) |
| Loans ÷ deposits | 90.0% | 72.2% (stronger) |
| Uninsured deposits | 35.5% | 6.4% (stronger) |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.6% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Bluestone 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.