FIRST CHOICE COMMUNITY
Charter #67185 · Knoxville, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.22% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.26% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.08% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 98th percentile but its structural peers at the 66th — a 33-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.50M | 98th pct | 66th pct |
| Members | 3,557 | 86th pct | 56th pct |
| Net worth ratio | 16.22% | 67th pct | 75th pct |
| Return on average assets | 1.26% | 78th pct | 82th pct |
| Net interest margin | 4.08% | 61th pct | 75th pct |
| Cost of funds | 0.45% | 29th pct | 33th pct |
| Loan-to-share | 49.21% | 36th pct | 34th pct |
| Delinquency 60+ days | 0.68% | 54th pct | 59th pct |
| Net charge-off ratio | 0.56% | 74th pct | 74th pct |
| Loan growth YoY | -1.52% | 57th pct | 52th pct |
| Share growth YoY | -3.37% | 7th pct | 5th pct |
| Efficiency ratio | 72.03% | 31th pct | 30th pct |
structural peer set hash: 07e8e302ffa8d5ef1048f03e2e433a19… (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.