Side-by-side · Q2 2026 data
Santo Christo Federal Credit Union vs First Citizens' Federal Credit Union
Credit union
Santo Christo Federal Credit Union
Fall River, Massachusetts · Under $100 million in assets
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Santo Christo Federal Credit Union | First Citizens' Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 97 (stronger) | 74 |
| Earnings | 58 (stronger) | 57 |
| Funding & liquidity | 94 (stronger) | 88 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 44th | 83rd |
| Total assets | $18.5M | $705.9M |
| Deposits / shares | $17.5M | $559.8M |
| Capital ratio | 9.10% | 20.19% (stronger) |
| Problem loans | 0.08% (stronger) | 0.77% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 0.94% (stronger) | 0.91% |
| Loans ÷ deposits | 66.4% (stronger) | 72.2% |
| Uninsured deposits | 2.6% (stronger) | 6.4% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.6% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Santo Christo Federal Credit Union leads on 5 and First Citizens' Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.