First Choice

MARSHFIELD, WI · 2 · Charter #66545 · WWW.FIRSTCHOICECREDITUNION.C
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$48.7M
99th percentile
Members
3,282
88th percentile
Total loans
$28.2M
97th percentile
Total shares
$40.3M
98th percentile

Profitability

Return on assets
2.44%
96th percentile
Net interest margin
4.16%
58th percentile
Efficiency ratio
43.94%
89th percentile
Non-interest income ratio
15.80%
72th percentile

Capital & Risk

Net worth ratio
16.23%
58th percentile
Delinquency rate
0.55%
56th percentile
Net charge-off rate
0.21%
51th percentile
Loan-to-share
69.87%
63th percentile

Growth

Member growth YoY
3.57%
91th percentile
Asset growth YoY
7.59%
86th percentile
Loan growth YoY
17.90%
95th percentile
Share growth YoY
6.10%
81th percentile

Operations

Members / branch
3,282
94th percentile
Assets / member
$14,838
85th percentile
Field of membership penetration
1.03%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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