Abstract Clusters and their progenitors (protoclusters) at z ∼ 2 − 4, the peak epoch of star formation, are ideal laboratories to study the formation process of both the clusters themselves and their member galaxies. However, a complete census of their member galaxies has been challenging due to observational difficulties. Here we present new JWST/NIRCam observations targeting the distant cluster CLJ1001 at z = 2.51 from the COSMOS-Web program, which, in combination with previous narrowband imaging targeting Hα emitters and deep millimeter surveys of CO emitters, provide a complete view of massive galaxy assembly in CLJ1001. In particular, JWST reveals a population of massive, extremely red cluster members in the long-wavelength bands that were invisible in previous Hubble Space Telescope (HST)/F160W imaging (HST-dark members). Based on this highly complete spectroscopic sample of member galaxies, we show that the spatial distribution of galaxies in CLJ1001 exhibits a strong central concentration, with the central galaxy density already resembling that of low-z clusters. Moreover, we reveal a “top-heavy” stellar mass function for the star-forming galaxies (SFGs), with an overabundance of massive SFGs piled up in the cluster core. These features strongly suggest that CLJ1001 is caught in a rapid transition, with many of its massive SFGs likely soon becoming quiescent. In the context of cluster formation, these findings suggest that the earliest clusters form from the inside out and top to bottom, with the massive galaxies in the core assembling first, followed by the less massive ones in the outskirts.