FIRST CITIZENS' Credit Union Profile

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FIRST CITIZENS'

Charter #24254 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (800) 642-7515

Fax:

Founding Date: N/A

Website: http://www.firstcitizens.org

Personnel & Operations

President: Lima, Rev David

Manager: Howard, Christopher

FT Employees: 134

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 11

Hours: M-F 8:00-5pm SAT 8:00- 1pm S 8:30-1pm

Credit Union Profile Summary

FIRST CITIZENS' is a FCU Credit Union. With a total of 44,172 members [1], this institution manages approximately $687,623,326 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 19.7% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -18.13% [1].

Financial Snapshot

Total Assets [1]
$687,623,326

Total economic resources.

Total Loans [1]
$446,095,286

Total value of outstanding loans.

Total Deposits [1]
$547,061,540

Total funds deposited by members.

Members [1]
44,172

Number of active members.

Performance Ratios

Net Worth Ratio [1]
19.7%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.12%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
81.54%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
-1.09%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-18.13%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-9.18%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

200 Mill Rd Ste 100

FAIRHAVEN, MA, 02719

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 13 branches reported by FIRST CITIZENS' (Charter #24254).

Main Office

ADMINISTRATION CTR Main Office

Type: Corporate Office

200 MILL RD STE 100

Fairhaven, MA 02719-5252

Phone: (508) 999-1341

Services: None specified

Open in Directions

Additional Branches

East Wareham

WAREHAM

Type: Branch Office

396 Onset Ave

East Wareham, MA 02538

Phone: (508) 291-3429

Services: Member Services, ATM, Drive-Thru

Open in Directions

Fairhaven

ADMINISTRATION CTR

Type: Corporate Office

200 Mill Rd Ste 100

Fairhaven, MA 02719

Phone: (508) 999-1341

Services: ATM

Open in Directions

Falmouth

FALMOUTH

Type: Branch Office

352 MAIN ST

Falmouth, MA 02540

Phone: (508) 540-8444

Services: Member Services, ATM, Drive-Thru

Open in Directions

Hyannis

HYANNIS

Type: Branch Office

66 FALMOUTH RD

Hyannis, MA 02601

Phone: (508) 771-4441

Services: Member Services, ATM, Drive-Thru

Open in Directions

Mashpee

MASHPEE

Type: Branch Office

71 JOBS FISHING RD

Mashpee, MA 02649

Phone: (508) 477-7167

Services: Member Services, ATM, Drive-Thru

Open in Directions

Mattapoisett

Mattapoisett

Type: Branch Office

2 Fairhaven Rd

Mattapoisett, MA 02739

Phone: (508) 758-6977

Services: Member Services, ATM, Drive-Thru

Open in Directions

New Bedford

DOWNTOWN NEW BEDFORD

Type: Branch Office

468 COUNTY ST

New Bedford, MA 02740

Phone: (508) 979-4745

Services: Member Services, ATM, Drive-Thru

Open in Directions

NORTH NEW BEDFORD

Type: Branch Office

570 N Front St

New Bedford, MA 02745-5953

Phone: (508) 990-8397

Services: Member Services, ATM, Drive-Thru

Open in Directions

SOUTH NEW BEDFORD

Type: Branch Office

1341 COVE RD

New Bedford, MA 02744

Phone: (508) 997-6267

Services: Member Services, ATM, Drive-Thru

Open in Directions

Orleans

ORLEANS

Type: Branch Office

6A WEST RD

Orleans, MA 02653-3203

Phone: (508) 240-1004

Services: Member Services, ATM, Drive-Thru

Open in Directions

Raynham

RAYNHAM

Type: Branch Office

629 SOUTH ST W

Raynham, MA 02767-1039

Phone: (508) 823-4571

Services: Member Services, ATM, Drive-Thru

Open in Directions

Taunton

TAUNTON

Type: Branch Office

289 WINTHROP ST

Taunton, MA 02780

Phone: (508) 828-6313

Services: Member Services, ATM

Open in Directions