First Choice

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

$154.3M

74^th percentile

Members

8,298

56^th percentile

Total loans

$77.6M

63^th percentile

Total shares

$140.2M

77^th percentile

Profitability

Return on assets

0.83%

36^th percentile

Net interest margin

2.90%

14^th percentile

Efficiency ratio

56.49%

68^th percentile

Non-interest income ratio

11.99%

25^th percentile

Capital & Risk

Net worth ratio

10.70%

31^th percentile

Delinquency rate

0.72%

50^th percentile

Net charge-off rate

0.49%

34^th percentile

Loan-to-share

55.36%

28^th percentile

Growth

Member growth YoY

-7.22%

6^th percentile

Asset growth YoY

6.38%

72^th percentile

Loan growth YoY

2.26%

56^th percentile

Share growth YoY

4.67%

62^th percentile

Operations

Members / branch

4,149

72^th percentile

Assets / member

$18,599

79^th percentile

Field of membership penetration

0.45%

4^th percentile

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