First Citizens'
First Citizens' is a credit union based in Fairhaven, Massachusetts, established in 1937, with $697 million in total assets serving 42,903 members. By Trust Grade it ranks 33rd of 122 credit unions we track in Massachusetts. Its net worth ratio of 20.2% is stronger than 97% of similarly sized credit unions, versus a Massachusetts median of 12%. It was profitable over the most recent period, with a 0.76% return on assets. No consumer complaints against First Citizens' appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Citizens' compares to Massachusetts peers
How we graded First Citizens'
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (20.2% capital ratio)
- Profitable (ROA 0.76%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Citizens' over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at First Citizens' insured?
Yes. First Citizens' is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Citizens': frequently asked questions
Is First Citizens' a good credit union?
First Citizens' earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (20.2% capital ratio); Profitable (ROA 0.76%).
Is First Citizens' NCUA-insured?
Yes. First Citizens' is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is First Citizens'?
First Citizens' holds $697 million in total assets, ranking 33rd of 122 credit unions we track in Massachusetts. It serves 42,903 members.
Does First Citizens' have CFPB complaints?
No CFPB complaints against First Citizens' appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
