Side-by-side · Q2 2026 data
St. Michaels Fall River Federal Credit Union vs First Citizens' Federal Credit Union
Credit union
St. Michaels Fall River Federal Credit Union
Fall River, Massachusetts · $100 million – $1 billion
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | St. Michaels Fall River Federal Credit Union | First Citizens' Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 83 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 43 | 74 (stronger) |
| Earnings | 41 | 57 (stronger) |
| Funding & liquidity | 63 | 88 (stronger) |
| Problem-loan coverage | 67 | 95 (stronger) |
| Peer percentile | 4th | 83rd |
| Total assets | $121.4M | $705.9M |
| Deposits / shares | $110.0M | $559.8M |
| Capital ratio | 9.25% | 20.19% (stronger) |
| Problem loans | 1.70% | 0.77% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.25% |
| Return on assets | 0.52% | 0.91% (stronger) |
| Loans ÷ deposits | 97.7% | 72.2% (stronger) |
| Uninsured deposits | 8.4% | 6.4% (stronger) |
| Offices | 2 | 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 48). On the 7 directional measures above (where higher or lower is clearly better), St. Michaels Fall River Federal Credit Union leads on 1 and First Citizens' Federal Credit Union on 6. 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.