First Choice

New Castle, PA · 1 · Charter #8229 · www.firstchoicefcu.com
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
$95.2M
43th percentile
Members
9,494
65th percentile
Total loans
$55.2M
46th percentile
Total shares
$83.0M
44th percentile

Profitability

Return on assets
1.67%
83th percentile
Net interest margin
3.47%
39th percentile
Efficiency ratio
51.91%
80th percentile
Non-interest income ratio
18.45%
57th percentile

Capital & Risk

Net worth ratio
11.65%
43th percentile
Delinquency rate
1.13%
28th percentile
Net charge-off rate
0.36%
46th percentile
Loan-to-share
66.43%
47th percentile

Growth

Member growth YoY
23.04%
99th percentile
Asset growth YoY
26.91%
99th percentile
Loan growth YoY
8.23%
81th percentile
Share growth YoY
29.96%
99th percentile

Operations

Members / branch
3,165
51th percentile
Assets / member
$10,024
14th percentile
Field of membership penetration
10.90%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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