Side-by-side · Q2 2026 data
I-C Federal Credit Union vs First Citizens' Federal Credit Union
Credit union
I-C Federal Credit Union
Fitchburg, Massachusetts · $100 million – $1 billion
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | I-C Federal Credit Union | First Citizens' Federal Credit Union |
|---|---|---|
| TellerScore | 50 | 83 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 69 | 74 (stronger) |
| Earnings | 9 | 57 (stronger) |
| Funding & liquidity | 72 | 88 (stronger) |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 6th | 83rd |
| Total assets | $583.0M | $705.9M |
| Deposits / shares | $505.4M | $559.8M |
| Capital ratio | 8.92% | 20.19% (stronger) |
| Problem loans | 0.94% | 0.77% (stronger) |
| Net charge-offs | 0.46% | 0.25% (stronger) |
| Return on assets | -0.27% | 0.91% (stronger) |
| Loans ÷ deposits | 88.2% | 72.2% (stronger) |
| Uninsured deposits | 6.2% (stronger) | 6.4% |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.2% | 8.6% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 50). On the 7 directional measures above (where higher or lower is clearly better), I-C Federal Credit Union leads on 1 and First Citizens' Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.