Financial-condition comparison

FIRST CITIZENS' vs I-C

This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”

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Credit union

FIRST CITIZENS'

FAIRHAVEN, MA

Health score

78.3

Total assets

$705.9M

View full profileData through 2026-Q2

Credit union

I-C

FITCHBURG, MA

Health score

56.6

Total assets

$583.0M

View full profileData through 2026-Q2

Answer first

Different strengths, no blanket winner

FIRST CITIZENS' leads on financial health and capitalization and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.

Capital and asset-quality definitions are directly comparable for this pair.

Category leaders

Where each institution leads

Financial health

FIRST CITIZENS'

Higher TFS health score

Capitalization

FIRST CITIZENS'

Higher comparable capital ratio

Profitability

FIRST CITIZENS'

Higher return on assets

Lending quality

FIRST CITIZENS'

Lower problem-loan measure

Same-source detail

Financial metrics

Winner markers appear only where the metric definitions are comparable and both values are available.

Metric	FIRST CITIZENS'	I-C
TFS health score	78.3/100Leads	56.6/100
Total assets	$705.9M	$583.0M
Total deposits / shares	$559.8M	$505.4M
Net worth ratio	20.19%Leads	8.92%
Return on assets	0.91%Leads	-0.27%
Return on equity	4.53%Leads

Branch and market overlap

FIRST CITIZENS'

12 branches

I-C

6 branches

Both institutions report branches in 1 state: MA.

CFPB complaint coverage

FIRST CITIZENS'

Unavailable

I-C

Unavailable

Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.

Regulatory-action context

FIRST CITIZENS'

0 in TFS registry

I-C

0 in TFS registry

Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.

Quarterly history

Health and profitability trend

Quarter	FIRST CITIZENS' score	FIRST CITIZENS' ROA	I-C score	I-C ROA
2026-Q1	78.1/100	0.76%	56.9/100	-0.21%
2026-Q2	78.3/100	0.91%	56.6/100	-0.27%

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FIRST CITIZENS'

I-C

Coverage boundaries

What this does not conclude

• No product-rate, fee, or customer-service winner without product data.
• Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
• Regulatory actions are displayed separately and are not included in category scoring.

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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.