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Overview / Commentary
2900 Universal St
Oshkosh, WI 54904

Citizensfirst Credit Union is headquartered in Oshkosh and is the 16st largest credit union in the state of Wisconsin. It is also the 544th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 96 employees and 30,852 members. Citizensfirst Credit Union's savings rates are 92% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Open to anyone who lives, works or worships in the counties of Winnebago, Fond du Lac, Calumet, Outagamie, Dodge, Washington, Milwaukee, Ozaukee, Sheboygan, Portage, Washington or Waushara. - See Details

Reviews (1)

Citizensfirst CU

I find this organization to be friendly and solid...good reputation in Oshkosh Wisconsin.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Citizensfirst Credit Union had $4.54 million in non-current loans and owned real-estate with $49.14 million in equity and loan loss allowances on hand to cover it. This gives Citizensfirst Credit Union a Texas Ratio of 9.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Citizensfirst Credit Union decreased slightly from 11.74% as of March 31, 2013 to 9.25% as of March 31, 2014, resulting in a positive change of 21.26%.This indicates that the balance sheet and financial strength for Citizensfirst Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Citizensfirst Credit Union has increased its total deposits by $11.55 million, resulting in 3.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizensfirst Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizensfirst Credit Union has $402.25 million in assets with $49.14 million in equity, resulting in a capitalization level of 12.22%, which is excellent.

Institution Statistics

NCUA #66777
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$402.25 million
Loans$356.69 million
Deposits$346.35 million
Equity Capital$45.75 million
Loan Loss Allowance$3.39 million
Unbacked Noncurrent Loans$2.70 million
Real Estate Owned$1.85 million
Historic Data - March 2013
Assets$382.29 million
Equity Capital$41.81 million
Loan Loss Allowance$4.38 million
Unbacked Noncurrent Loans$2.70 million
Real Estate Owned$2.62 million
Profit Margin - Quarterly
Net Interest Margin0.9%
Return on Assets0.83%
Return on Equity7.34%
Interest Income$3.67 million
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Citizensfirst Credit Union Savings Account Rates

1.00%$25k-Health Savings Account
0.50%--Holiday Savings Account
0.10%$100-Regular Savings Accounts

Citizensfirst Credit Union Money Market Rates

0.60%$125k-Good Fortune Money Market with CitizensFirst Personal Checking
0.45%$125k-Good Fortune Money Market
0.30%$20k-Classic Money Market
0.30%$20k-IRA Money Market

Citizensfirst Credit Union CD Rates

1.45%$1k-60 Month CD
1.30%$1k-48 Month CD
1.10%$1k-36 Month CD
0.90%$1k-24 Month CD
0.80%$1k-18 Month CD
0.60%$1k-12 Month CD
0.35%$1k-6 Month CD

Citizensfirst Credit Union IRA Rates

1.45%$1k-60 Month IRA CD
1.10%$1k-36 Month IRA CD
0.90%$1k-24 Month IRA CD
0.60%$1k-12 Month IRA CD
0.35%$1k-6 Month IRA CD

Citizensfirst Credit Union Locations
Branch Office750 Witzel AveOshkosh, WI 54902
Branch Office2655 N Main StOshkosh, WI 54901-1505
Branch Office1045 E Johnson StFond du Lac, WI 54935
Branch Office2900 Universal StOshkosh, WI 54904
Branch Office2655 N Main StOshkosh, WI 54901-1505
Branch Office740 W Johnson StFond du Lac, WI 54935-2016