FIRST CHOICE
Charter #8229 · New Castle, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,534 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.73% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.22% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 62.91% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 75th — a 16-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 | $93.91M | 91th pct | 75th pct |
| Members | 9,534 | 94th pct | 80th pct |
| Net worth ratio | 12.24% | 43th pct | 49th pct |
| Return on average assets | 1.73% | 91th pct | 95th pct |
| Net interest margin | 4.14% | 74th pct | 69th pct |
| Cost of funds | 1.08% | 60th pct | 46th pct |
| Loan-to-share | 66.19% | 59th pct | 49th pct |
| Delinquency 60+ days | 1.22% | 79th pct | 82th pct |
| Net charge-off ratio | 0.48% | 70th pct | 66th pct |
| Loan growth YoY | 12.36% | 99th pct | 98th pct |
| Share growth YoY | 19.62% | 100th pct | 98th pct |
| Efficiency ratio | 62.91% | 15th pct | 15th pct |
structural peer set hash: f4917c7ed581b1c26f81fd4102550704… (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.