FIRST CHOICE AMERICA COMMUNITY
Charter #3264 · Weirton, WV · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.95% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.61% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 49.07% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 72nd — a 54-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 AMERICA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $704.38M | 48th pct | 69th pct |
| Members | 30,677 | 18th pct | 72th pct |
| Net worth ratio | 17.95% | 98th pct | 89th pct |
| Return on average assets | 1.61% | 93th pct | 85th pct |
| Net interest margin | 2.83% | 13th pct | 61th pct |
| Cost of funds | 1.29% | 38th pct | 43th pct |
| Loan-to-share | 23.55% | 0th pct | 10th pct |
| Delinquency 60+ days | 0.27% | 18th pct | 48th pct |
| Net charge-off ratio | 0.02% | 1th pct | 25th pct |
| Loan growth YoY | -2.26% | 16th pct | 41th pct |
| Share growth YoY | 3.52% | 42th pct | 44th pct |
| Efficiency ratio | 49.07% | 2th pct | 15th pct |
structural peer set hash: a2a2d8c4215ef9590d7596d9ac430bec… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST CHOICE AMERICA COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.