First Choice Financial

Gloversville, NY · 1 · Charter #21012 · www.fcfinancialcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$179.4M
83th percentile
Members
13,326
84th percentile
Total loans
$89.5M
70th percentile
Total shares
$157.7M
85th percentile

Profitability

Return on assets
1.29%
67th percentile
Net interest margin
3.63%
48th percentile
Efficiency ratio
55.27%
71th percentile
Non-interest income ratio
18.15%
55th percentile

Capital & Risk

Net worth ratio
12.79%
58th percentile
Delinquency rate
1.95%
10th percentile
Net charge-off rate
0.28%
56th percentile
Loan-to-share
56.79%
31th percentile

Growth

Member growth YoY
0.20%
61th percentile
Asset growth YoY
-1.69%
12th percentile
Loan growth YoY
3.22%
61th percentile
Share growth YoY
1.75%
36th percentile

Operations

Members / branch
4,442
76th percentile
Assets / member
$13,465
42th percentile
Field of membership penetration
12.48%
62th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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