Charter 24254 · Fairhaven, MA
First Citizens' Federal Credit Union
First Citizens' Federal Credit Union is a federally chartered credit union in Fairhaven, Massachusetts, with $706 million in assets and 42,583 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 20.19%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Think First, First @ Work, Coastal Outsourced Solutions, Southcoast Real Estate Holdings, First Citizens' Charitable Fund, Coastal Commercial Lending Servi.
- Total assets
- $706 million
- +2.9% in a year
- Members
- 42,583
- -3.6% in a year
- Net worth ratio
- 20.19%
- Peer median 10.79%
- Loans 60+ days late
- 0.77%
- Peer median 0.67%
- Loans outstanding
- $404 million
- -9.4% in a year
- Shares and deposits
- $560 million
- +2.3% in a year
- Branches
- 12
- 138 employees
- Opened
- 1937
- Federal charter
How First Citizens' Federal Credit Union compares
NCUA groups credit unions by size; First Citizens' Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 20.19% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.77%, is higher than the group median of 0.67%. Loans fell 9.4% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 22 of 121 credit unions headquartered in Massachusetts. See all Massachusetts credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $706 million | 42,583 | $404 million | 20.19% | 0.77% |
| Q1 2026 | $697 million | 42,903 | $398 million | 20.17% | 0.42% |
| Q4 2025 | $684 million | 43,342 | $415 million | 19.82% | 0.87% |
| Q3 2025 | $687 million | 53,393 | $434 million | 20.08% | 0.71% |
| Q2 2025 | $686 million | 44,172 | $446 million | 19.74% | 0.73% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.0 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 12 sites for First Citizens' Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- DOWNTOWN NEW BEDFORD
468 County St, New Bedford, MA 02740 - NORTH NEW BEDFORD
570 N Front St, New Bedford, MA 02745 - SOUTH NEW BEDFORD
1341 Cove Rd, New Bedford, MA 02744 - TAUNTON
289 Winthrop St, Taunton, MA 02780 - HYANNIS
66 Falmouth Rd, Hyannis, MA 02601 - ORLEANS
6A West Rd, Orleans, MA 02653 - RAYNHAM
629 South St W, Raynham, MA 02767 - ADMINISTRATION CTR (main office)
200 Mill Rd Ste 100, Fairhaven, MA 02719 - Mattapoisett
2 Fairhaven Rd, Mattapoisett, MA 02739 - MASHPEE
71 Jobs Fishing Rd, Mashpee, MA 02649 - SOUTH DENNIS
423 Route 134, South Dennis, MA 02660 - PLYMOUTH
1 Resnik Rd, Plymouth, MA 02360
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology