First Choice America Community

Weirton, WV · 1 · Charter #3264 · www.firstchoiceamericacu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$687.5M
77th percentile
Members
31,129
56th percentile
Total loans
$137.7M
3th percentile
Total shares
$561.0M
76th percentile

Profitability

Return on assets
1.78%
90th percentile
Net interest margin
2.90%
20th percentile
Efficiency ratio
33.82%
98th percentile
Non-interest income ratio
8.06%
4th percentile

Capital & Risk

Net worth ratio
17.98%
97th percentile
Delinquency rate
0.37%
82th percentile
Net charge-off rate
0.04%
96th percentile
Loan-to-share
24.54%
0th percentile

Growth

Member growth YoY
-3.86%
14th percentile
Asset growth YoY
5.85%
56th percentile
Loan growth YoY
-2.03%
18th percentile
Share growth YoY
4.70%
51th percentile

Operations

Members / branch
3,891
34th percentile
Assets / member
$22,086
84th percentile
Field of membership penetration
31.13%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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