First Citizens'
Fairhaven, MA · Charter 24254 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 12 branches
Q2 2026
$705.9MAssets
$404.3MLoans
$559.8MShares
$142.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 87% of credit unions under $1B in assets (rank 217 of 1683).
- Widest gap: net interest margin trails 66% of credit unions under $1B in assets (rank 1105 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.91%
Rank 667 of 1,683
Net Interest Margin
3.52%
Rank 1,105 of 1,683
Efficiency Ratio
76.90%
Rank 772 of 1,682
Equity / Assets
20.19%
Rank 217 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.35% | 0.74% | 1.18% | Beats 60% | 667 / 1,683 | |
| Return on Equity | 4.53% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,011 / 1,681 | |
| Net Interest Margin | 3.52% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,105 / 1,683 | |
| Efficiency Ratio | 76.90% | 68.91% | 78.20% | 86.93% | Beats 54% | 772 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.77% | 0.26% | 0.65% | 1.29% | Beats 44% | 939 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.19% | 10.44% | 12.89% | 16.53% | Beats 87% | 217 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.19% | 10.44% | 12.89% | 16.53% | Beats 87% | 217 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 72.21% | 52.61% | 69.38% | 83.50% | 55th pctl | 753 / 1,683 | |
| Loans / Assets | 57.27% | 44.71% | 59.18% | 70.72% | 46th pctl | 908 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |