Side-by-side · Q2 2026 data
First Citizens' Federal Credit Union vs Sharon & Crescent United Credit Union
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Credit union
Sharon & Crescent United Credit Union
Sharon, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | First Citizens' Federal Credit Union | Sharon & Crescent United Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 74 | 86 (stronger) |
| Earnings | 57 (stronger) | 55 |
| Funding & liquidity | 88 (stronger) | 70 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 83rd | 79th |
| Total assets | $705.9M | $1.4B |
| Deposits / shares | $559.8M | $1.1B |
| Capital ratio | 20.19% (stronger) | 12.83% |
| Problem loans | 0.77% | 0.43% (stronger) |
| Net charge-offs | 0.25% | 0.05% (stronger) |
| Return on assets | 0.91% (stronger) | 0.88% |
| Loans ÷ deposits | 72.2% (stronger) | 90.7% |
| Uninsured deposits | 6.4% (stronger) | 14.2% |
| Offices | 9 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | 14.2% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Citizens' Federal Credit Union leads on 5 and Sharon & Crescent United Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.