First Citizens Federal Credit Union

Weiss Ratings	First Citizens Federal Credit Union Fairhaven, MA	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	8.10
Capitalization Index	10.00
Liquidity Index	2.40
Profitability Index	7.70
Stability Index	5.70

Company Info	First Citizens Federal Credit Union Fairhaven, MA	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	134
Phone Number	(800) 642-7515
Website	www.firstcitizens.org

Asset Quality	First Citizens Federal Credit Union Fairhaven, MA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-14.65%
5-Year Asset Growth	-1.64%
5-Year Charge-Offs to Average Loans	0.15%
Charge-Offs to Average Loans	0.16%
Non-Performing Assets to Assets	0.82%
Non-Performing Loans to Capital	4.60%
Non-Performing Loans to Loans	0.74%

Balance Sheet	First Citizens Federal Credit Union Fairhaven, MA	Click to Compare	Click to Compare	Click to Compare
Total Assets	711.73M
Total Deposits	576.45M

Capital and Reserves	First Citizens Federal Credit Union Fairhaven, MA	Click to Compare	Click to Compare	Click to Compare
Capital	123.11M
Leverage Ratio	17.39
Loan Loss Reserves to Loans	0.51%

Liquidity	First Citizens Federal Credit Union Fairhaven, MA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	6.89%
Liquidity Ratio	13.65%

Profitability	First Citizens Federal Credit Union Fairhaven, MA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.90%
Net Income	13.11M
Net Interest Spread	4.35%
Operating Profit to Average Assets	1.72%
Overhead Efficiency Ratio	63.22%
Return on Assets	1.70%
Return on Equity	11.27%