FIRST CITIZENS'
Charter #24254 · FAIRHAVEN, MA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.17% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.69% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 70th — a 31-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST CITIZENS' | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $697.02M | 46th pct | 46th pct |
| Members | 42,903 | 51th pct | 62th pct |
| Net worth ratio | 20.17% | 99th pct | 97th pct |
| Return on average assets | 0.77% | 60th pct | 51th pct |
| Net interest margin | 3.44% | 44th pct | 67th pct |
| Cost of funds | 0.69% | 16th pct | 15th pct |
| Loan-to-share | 72.24% | 27th pct | 26th pct |
| Delinquency 60+ days | 0.42% | 33th pct | 43th pct |
| Net charge-off ratio | 0.31% | 40th pct | 70th pct |
| Loan growth YoY | -8.28% | 0th pct | 0th pct |
| Share growth YoY | 1.18% | 14th pct | 10th pct |
| Efficiency ratio | 81.32% | 64th pct | 70th pct |
structural peer set hash: 0e48e84c245abe8339e1db6676fea7ee… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.