Side-by-side · Q2 2026 data
Southcoast Federal Credit Union vs First Citizens' Federal Credit Union
Credit union
Southcoast Federal Credit Union
New Bedford, Massachusetts · Under $100 million in assets
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Southcoast Federal Credit Union | First Citizens' Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 91 (stronger) | 74 |
| Earnings | 40 | 57 (stronger) |
| Funding & liquidity | 84 | 88 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 49th | 83rd |
| Total assets | $59.0M | $705.9M |
| Deposits / shares | $48.0M | $559.8M |
| Capital ratio | 12.40% | 20.19% (stronger) |
| Problem loans | 0.27% (stronger) | 0.77% |
| Net charge-offs | 0.01% (stronger) | 0.25% |
| Return on assets | 0.50% | 0.91% (stronger) |
| Loans ÷ deposits | 76.3% | 72.2% (stronger) |
| Uninsured deposits | 5.3% (stronger) | 6.4% |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 8.6% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Southcoast Federal Credit Union leads on 3 and First Citizens' Federal Credit Union on 4. 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.