Sep, 30, 2025 — FIRST CITIZENS' FEDERAL CREDIT UNION is a federal credit union headquartered in FAIRHAVEN, MA with 11 branch locations and about $687.40 million in total assets. Opened 89 years ago in 1937, FIRST CITIZENS' FEDERAL CREDIT UNION has about 53,393 members and employs 134 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRST CITIZENS' FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 200 Mill Rd Ste 100 FAIRHAVEN, MA 02719 |
| Phone: | (800) 642-7515 |
| Fax: | |
| Website: | https://www.firstcitizens.org |
| Branches: | 11 branch locations |
| Members: | 53,393 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24254 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1937 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $687,401,866 |
| CEO/Manager: | Christopher Howard |
| Chairperson: | Rev David Lima |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 194,184,793 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 333,044,125 |
| Unsecured Loans | 3,807,521 |
| Other Loans | 96,480,255 |
| TOTAL LOANS | 433,814,018 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,881,320 |
| Land And Building | 9,907,188 |
| Other Fixed Assets | 2,915,462 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 5,098,760 |
| All Other Assets | 833,769 |
| TOTAL ASSETS | 687,401,866 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 5,373,014 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 181,422,765 |
| Regular shares | 201,018,909 |
| All Other Shares & Deposits | 161,924,330 |
| TOTAL SHARES & DEPOSITS | 544,366,004 |
| TOTAL LIABILITIES | 549,746,898 |
| Regular Reserve | 0 |
| Other Reserves | 7,219,425 |
| Undivided Earnings | 130,435,543 |
| TOTAL EQUITY | 137,654,968 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 687,401,866 |
| INCOME & EXPENSE | |
| Loan Income | 16,137,959 |
| Investment Income | 5,908,211 |
| Other Income | 3,791,874 |
| Total Employee Compensation & Benefits | 7,713,739 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 8,427,335 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 368,699 |
| Cost of Funds | 2,850,269 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 6,602,667 |
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