FIRST CHOICE FINANCIAL
Charter #21012 · Gloversville, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.72% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.60% sits at the 84th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 79th — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST CHOICE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $180.78M | 44th pct | 43th pct |
| Members | 13,355 | 51th pct | 56th pct |
| Net worth ratio | 12.87% | 68th pct | 67th pct |
| Return on average assets | 0.68% | 48th pct | 54th pct |
| Net interest margin | 3.72% | 55th pct | 79th pct |
| Cost of funds | 1.02% | 39th pct | 52th pct |
| Loan-to-share | 56.13% | 20th pct | 41th pct |
| Delinquency 60+ days | 0.85% | 68th pct | 64th pct |
| Net charge-off ratio | 0.60% | 72th pct | 84th pct |
| Loan growth YoY | 1.16% | 59th pct | 70th pct |
| Share growth YoY | 2.38% | 33th pct | 46th pct |
| Efficiency ratio | 79.22% | 52th pct | 44th pct |
structural peer set hash: 6dfb1a5ec49f8e8654e42dc402357207… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.