FIRSTENERGY CHOICE
Charter #839 · GREENSBURG, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.76% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.31% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.15% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.52% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 57th — a 51-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 | FIRSTENERGY CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $52.15M | 7th pct | 57th pct |
| Members | 3,558 | 19th pct | 54th pct |
| Net worth ratio | 20.76% | 92th pct | 87th pct |
| Return on average assets | 1.31% | 79th pct | 77th pct |
| Net interest margin | 3.43% | 34th pct | 26th pct |
| Cost of funds | 0.25% | 12th pct | 26th pct |
| Loan-to-share | 31.03% | 6th pct | 28th pct |
| Delinquency 60+ days | 0.15% | 16th pct | 15th pct |
| Net charge-off ratio | 0.11% | 35th pct | 28th pct |
| Loan growth YoY | -1.07% | 55th pct | 72th pct |
| Share growth YoY | 0.08% | 19th pct | 26th pct |
| Efficiency ratio | 65.52% | 18th pct | 18th pct |
structural peer set hash: df9b9bbba0d8ca4fdbc25e4e57542e8c… (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.