Side-by-side · Q2 2026 data
First Citizens' Federal Credit Union vs Wave Federal Credit Union
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | First Citizens' Federal Credit Union | Wave Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 74 (stronger) | 69 |
| Earnings | 57 (stronger) | 39 |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 83rd | 54th |
| Total assets | $705.9M | $156.8M |
| Deposits / shares | $559.8M | $136.8M |
| Capital ratio | 20.19% (stronger) | 12.30% |
| Problem loans | 0.77% (stronger) | 0.93% |
| Net charge-offs | 0.25% | 0.08% (stronger) |
| Return on assets | 0.91% (stronger) | 0.47% |
| Loans ÷ deposits | 72.2% | 58.4% (stronger) |
| Uninsured deposits | 6.4% | 5.3% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | 11.8% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Citizens' Federal Credit Union leads on 4 and Wave Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.