FIRST CHOICE
Charter #66545 · MARSHFIELD, WI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.61% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 0th percentile but its structural peers at the 25th — 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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.05M | 0th pct | 25th pct |
| Members | 3,282 | 14th pct | 26th pct |
| Net worth ratio | 16.11% | 76th pct | 67th pct |
| Return on average assets | 1.33% | 80th pct | 66th pct |
| Net interest margin | 4.13% | 74th pct | 62th pct |
| Cost of funds | 1.30% | 71th pct | 61th pct |
| Loan-to-share | 68.85% | 65th pct | 49th pct |
| Delinquency 60+ days | 0.73% | 57th pct | 69th pct |
| Net charge-off ratio | 0.00% | 14th pct | 21th pct |
| Loan growth YoY | 8.91% | 97th pct | 98th pct |
| Share growth YoY | 4.08% | 65th pct | 66th pct |
| Efficiency ratio | 61.61% | 12th pct | 20th pct |
structural peer set hash: 15f2af0e8e7a354751ec1309ab6d532c… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST CHOICE
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.