Side-by-side · Q2 2026 data
Westport Federal Credit Union vs First Citizens' Federal Credit Union
Credit union
Westport Federal Credit Union
Westport, Massachusetts · Under $100 million in assets
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Westport Federal Credit Union | First Citizens' Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 83 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 88 (stronger) | 74 |
| Earnings | 69 (stronger) | 57 |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 52nd | 83rd |
| Total assets | $82.2M | $705.9M |
| Deposits / shares | $73.9M | $559.8M |
| Capital ratio | 9.94% | 20.19% (stronger) |
| Problem loans | 0.37% (stronger) | 0.77% |
| Net charge-offs | 0.07% (stronger) | 0.25% |
| Return on assets | 1.22% (stronger) | 0.91% |
| Loans ÷ deposits | 54.8% (stronger) | 72.2% |
| Uninsured deposits | 4.7% (stronger) | 6.4% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 8.6% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Westport 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.