Side-by-side · Q2 2026 data
First Citizens' Federal Credit Union vs Rhode Island Credit Union
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | First Citizens' Federal Credit Union | Rhode Island Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 74 | 87 (stronger) |
| Earnings | 57 (stronger) | 31 |
| Funding & liquidity | 88 (stronger) | 74 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 83rd | 34th |
| Total assets | $705.9M | $425.1M |
| Deposits / shares | $559.8M | $375.1M |
| Capital ratio | 20.19% (stronger) | 10.40% |
| Problem loans | 0.77% | 0.38% (stronger) |
| Net charge-offs | 0.25% | 0.22% (stronger) |
| Return on assets | 0.91% (stronger) | 0.26% |
| Loans ÷ deposits | 72.2% (stronger) | 86.2% |
| Uninsured deposits | 6.4% | 5.8% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | 36.6% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Citizens' Federal Credit Union leads on 4 and Rhode Island Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.