FIRST CITIZENS'
Federal • FAIRHAVEN, Massachusetts • Est. 1937
Quick Facts
- Charter Number
- #24254
- Type
- Federal
- Established
- 1937
- Headquarters
- FAIRHAVEN, Massachusetts 02719
- Address
- 200 Mill Rd Ste 100
- Branches
- 12
- ATMs
- 12
- Members
- 43,342
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
43,342 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST CITIZENS' |
|---|---|
| Total Assets | $684.3M |
| Members | 43,342 |
| Loans Outstanding | $415.2M |
| Shares & Deposits | $544.2M |
| Net Worth | $135.6M |
| Net Worth Ratio | 19.82% |
| Loan-to-Share Ratio | 76.3% |
| Delinquency Rate | 0.87% |
| Net Income | +$8,810,691 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
12 locations · 12 ATMs
DOWNTOWN NEW BEDFORD
468 COUNTY ST
NEW BEDFORD, MA 02740
NORTH NEW BEDFORD
570 N Front St
NEW BEDFORD, MA 02745-5953
SOUTH NEW BEDFORD
1341 COVE RD
NEW BEDFORD, MA 02744
TAUNTON
289 WINTHROP ST
TAUNTON, MA 02780
HYANNIS
66 FALMOUTH RD
HYANNIS, MA 02601
Who Can Join FIRST CITIZENS'?
Membership Type: Other/Unknown
Membership eligibility for FIRST CITIZENS' may vary. Contact the credit union directly to confirm qualification requirements.
Contact FIRST CITIZENS' directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Massachusetts RankingsFrequently Asked Questions
Yes. FIRST CITIZENS' is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FIRST CITIZENS' has 43,342 members and a potential membership field of 1,000,000 people.
FIRST CITIZENS''s net worth ratio is 19.82% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 19.8%, FIRST CITIZENS' meets this threshold.
FIRST CITIZENS' operates 12 branch locations and has access to 12 ATMs. The main office is located at 200 Mill Rd Ste 100, FAIRHAVEN, MA 02719.
FIRST CITIZENS' was established in 1937. It is a federal credit union chartered under charter number 24254. The institution has been serving members for 89 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FIRST CITIZENS'. All financial data is for informational purposes only.