Side-by-side · Q2 2026 data
Seamen's Bank vs First Citizens' Federal Credit Union
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Seamen's Bank | First Citizens' Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 83 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 75 (stronger) | 74 |
| Earnings | 44 | 57 (stronger) |
| Funding & liquidity | 69 | 88 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 43rd | 83rd |
| Total assets | $478.5M | $705.9M |
| Deposits / shares | $405.4M | $559.8M |
| Capital ratio | 12.57% | 20.19% (stronger) |
| Problem loans | 0.76% (stronger) | 0.77% |
| Net charge-offs | -0.01% (stronger) | 0.25% |
| Return on assets | 0.60% | 0.91% (stronger) |
| Loans ÷ deposits | 89.6% | 72.2% (stronger) |
| Uninsured deposits | 16.9% | 6.4% (stronger) |
| Offices | 5 | 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 70). On the 7 directional measures above (where higher or lower is clearly better), Seamen's Bank leads on 2 and First Citizens' Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.