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Overview / Commentary
P.O. Box 3046
Oshkosh, WI 54903

Citizensfirst Credit Union is headquartered in Oshkosh and is the 16st largest credit union in the state of Wisconsin. It is also the 535th largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 95 employees and 30,509 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

Must live, work or worship in Winnebago, Fond du Lac, Calumet, Outagamie, Dodge, Washington or Waushara County. - See Details

Reviews (1)

Citizensfirst CU

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


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Citizensfirst Credit Union had $5.66 million in non-current loans and owned real-estate with $48.23 million in equity and loan loss allowances on hand to cover it. This gives Citizensfirst Credit Union a Texas Ratio of 11.73% which is above average. 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 13.88% as of December 31, 2012 to 11.73% as of December 31, 2013, resulting in a positive change of 15.45%.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 $13.47 million, resulting in 4.16% 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 $395.19 million in assets with $48.23 million in equity, resulting in a capitalization level of 12.20%, which is excellent.

Institution Statistics

NCUA #66777
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$395.19 million
Loans$350.27 million
Deposits$337.59 million
Equity Capital$44.91 million
Loan Loss Allowance$3.32 million
Unbacked Noncurrent Loans$3.76 million
Real Estate Owned$1.90 million
Historic Data - December 2012
Assets$370.22 million
Equity Capital$41.03 million
Loan Loss Allowance$4.36 million
Unbacked Noncurrent Loans$3.76 million
Real Estate Owned$2.74 million
Profit Margin - Quarterly
Net Interest Margin3.54%
Return on Assets0.98%
Return on Equity8.65%
Interest Income$14.41 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-Personalized 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
0.15%$1k-90 Day 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