Side-by-side · Q2 2026 data
First Citizens' Federal Credit Union vs Coastal1 Credit Union
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | First Citizens' Federal Credit Union | Coastal1 Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 57 |
| Loan quality | 74 | 93 (stronger) |
| Earnings | 57 (stronger) | 49 |
| Funding & liquidity | 88 (stronger) | 52 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 83rd | 50th |
| Total assets | $705.9M | $3.5B |
| Deposits / shares | $559.8M | $2.7B |
| Capital ratio | 20.19% (stronger) | 10.71% |
| Problem loans | 0.77% | 0.22% (stronger) |
| Net charge-offs | 0.25% | 0.06% (stronger) |
| Return on assets | 0.91% (stronger) | 0.73% |
| Loans ÷ deposits | 72.2% (stronger) | 108.5% |
| Uninsured deposits | 6.4% (stronger) | 8.1% |
| Offices | 9 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | 25.3% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Citizens' Federal Credit Union leads on 5 and Coastal1 Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.