PackageTrendsPeer
Letter portraitLegal landscape

First Choice America Community

Weirton, WV · Charter 3264

NCUA · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

81

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Choice America Community

Weirton, WV · Charter 3264

NCUA · 8 branches

Q2 2026

$713.9MAssets
$135.8MLoans
$581.8MShares
$129.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.67%, down 13 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.15% of loans (-34 bps YoY).
  • Capital: net worth / assets of 18.15%, up 80 bps from a year ago.
  • Funding: loans stand at 23.34% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.67%-13 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-3 bps YoY

Efficiency Ratio (YTD, annualized)

48.00%+307 bps YoY

Net Worth / Assets

18.15%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.17%2.07%1.73%1.79%1.83%1.78%1.60%1.67%-13 bps
Return on Equity12.79%12.06%10.13%10.33%10.30%9.89%8.89%9.18%-115 bps
Net Interest Margin3.34%3.22%2.86%2.90%2.95%2.90%2.80%2.87%-3 bps
Efficiency Ratio41.49%42.27%45.93%44.93%44.63%45.43%49.07%48.00%+307 bps
Growth
Asset Growth (YoY)7.90%8.28%8.05%6.92%6.34%5.85%5.28%5.48%-145 bps
Loan Growth (YoY)1.38%0.95%0.57%0.52%-1.62%-2.03%-2.65%-2.47%-299 bps
Share Growth (YoY)6.49%7.28%7.04%5.98%5.40%4.70%4.27%4.48%-150 bps
Asset Quality
Delinquent Loans / Loans0.37%0.49%0.19%0.48%0.47%0.37%0.27%0.15%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.96%17.15%17.08%17.36%17.77%17.98%17.95%18.15%+80 bps
Net Worth / Assets16.96%17.15%17.08%17.36%17.77%17.98%17.95%18.15%+80 bps
Liquidity & Funding
Loans / Shares26.73%26.23%25.23%25.01%24.95%24.54%23.55%23.34%-166 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Choice America Community

Weirton, WV · Charter 3264 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 8 branches

Q2 2026

$713.9MAssets
$135.8MLoans
$581.8MShares
$129.6MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of credit unions under $1B in assets (rank 52 of 1682).
  • Widest gap: net interest margin trails 90% of credit unions under $1B in assets (rank 1516 of 1683).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.67%

Rank 173 of 1,683

Net Interest Margin

2.87%

Rank 1,516 of 1,683

Efficiency Ratio

48.00%

Rank 52 of 1,682

Equity / Assets

18.15%

Rank 322 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.67%0.35%0.74%1.18%Beats 90%173 / 1,683
Return on Equity9.18%2.67%5.89%8.74%Beats 78%372 / 1,681
Net Interest Margin2.87%3.31%3.82%4.32%Beats 10%1,516 / 1,683
Efficiency Ratio48.00%68.91%78.20%86.93%Beats 97%52 / 1,682
Asset Quality
Nonperforming Loans / Loans0.14%0.26%0.65%1.29%Beats 83%287 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.15%10.44%12.89%16.53%Beats 81%322 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.15%10.44%12.89%16.53%Beats 81%322 / 1,683
Liquidity & Funding
Loans / Deposits23.34%52.61%69.38%83.50%3rd pctl1,637 / 1,683
Loans / Assets19.03%44.71%59.18%70.72%3rd pctl1,639 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution