FIRST CHOICE
Charter #67725 · WEST PALM BEACH, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,341 sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 0.33% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.89% sits at the 10th percentile of structural peers — worth a closer look.
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 | $155.37M | 33th pct | 44th pct |
| Members | 8,341 | 21th pct | 15th pct |
| Net worth ratio | 10.71% | 38th pct | 34th pct |
| Return on average assets | 0.33% | 25th pct | 21th pct |
| Net interest margin | 2.89% | 11th pct | 10th pct |
| Cost of funds | 0.47% | 18th pct | 30th pct |
| Loan-to-share | 55.38% | 19th pct | 33th pct |
| Delinquency 60+ days | 0.47% | 38th pct | 52th pct |
| Net charge-off ratio | 0.36% | 50th pct | 44th pct |
| Loan growth YoY | 1.76% | 64th pct | 74th pct |
| Share growth YoY | 2.11% | 29th pct | 30th pct |
| Efficiency ratio | 76.43% | 42th pct | 39th pct |
structural peer set hash: f2aee1bc9f57cc0d2c18a766ce8e00b7… (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.