Side-by-side · Q2 2026 data
Shoreham Bank vs First Citizens' Federal Credit Union
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Shoreham Bank | First Citizens' Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 83 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 63 | 74 (stronger) |
| Earnings | 45 | 57 (stronger) |
| Funding & liquidity | 51 | 88 (stronger) |
| Problem-loan coverage | 84 | 95 (stronger) |
| Peer percentile | 16th | 83rd |
| Total assets | $534.8M | $705.9M |
| Deposits / shares | $420.5M | $559.8M |
| Capital ratio | 10.65% | 20.19% (stronger) |
| Problem loans | 1.12% | 0.77% (stronger) |
| Net charge-offs | 0.89% | 0.25% (stronger) |
| Return on assets | 0.63% | 0.91% (stronger) |
| Loans ÷ deposits | 109.1% | 72.2% (stronger) |
| Uninsured deposits | 10.9% | 6.4% (stronger) |
| Offices | 3 | 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 58). On the 7 directional measures above (where higher or lower is clearly better), Shoreham Bank leads on 0 and First Citizens' Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.