The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 83).

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Massachusetts

Yes. First Citizens' Federal Credit Union is a federally insured credit union (NCUA charter #24254). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.4% of shares and deposits ($36.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 20.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

First Citizens' Federal Credit Union lists 9 offices in 7 cities. Most locations:

• New Bedford, MA (3)
• Fairhaven, MA (1)
• Hyannis, MA (1)
• Mattapoisett, MA (1)
• Orleans, MA (1)
• Raynham, MA (1)
• Taunton, MA (1)

All branch addresses and map

In 2025, First Citizens' Federal Credit Union reported 203 home-loan applications under HMDA (LEI 54930088NZQ6CDL0WA10): 157 originated ($34,075,000 total), 15 denied, and 29 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Citizens' Federal Credit Union

Type

Federal credit union

NCUA charter #

24254

RSSD ID

214795

Primary regulator

NCUA

Established

1937

Headquarters

200 Mill Rd Ste 100, Fairhaven, MA 02719

Employees

138