Side-by-side · Q2 2026 data
Citizens Bank, National Association vs First Citizens' Federal Credit Union
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank, National Association | First Citizens' Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 83 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 55 | 74 (stronger) |
| Earnings | 60 (stronger) | 57 |
| Funding & liquidity | 46 | 88 (stronger) |
| Problem-loan coverage | 86 | 95 (stronger) |
| Peer percentile | 3rd | 83rd |
| Total assets | $232.5B | $705.9M |
| Deposits / shares | $188.7B | $559.8M |
| Capital ratio | 9.39% | 20.19% (stronger) |
| Problem loans | 1.36% | 0.77% (stronger) |
| Net charge-offs | 0.37% | 0.25% (stronger) |
| Return on assets | 0.99% (stronger) | 0.91% |
| Loans ÷ deposits | 78.0% | 72.2% (stronger) |
| Uninsured deposits | 47.5% | 6.4% (stronger) |
| Offices | 968 | 9 |
| CFPB complaints (3 yrs) | 6,056 | — |
| Complaints per $1B deposits | 32.1 | — |
| Mortgage denial rate (HMDA) | 32.5% | 8.6% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank, National Association leads on 1 and First Citizens' Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.