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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 0.35% | 0.74% | 1.18% | Beats 90% | 173 / 1,683 | |
| Return on Equity | 9.18% | 2.67% | 5.89% | 8.74% | Beats 78% | 372 / 1,681 | |
| Net Interest Margin | 2.87% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,516 / 1,683 | |
| Efficiency Ratio | 48.00% | 68.91% | 78.20% | 86.93% | Beats 97% | 52 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 287 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.15% | 10.44% | 12.89% | 16.53% | Beats 81% | 322 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.15% | 10.44% | 12.89% | 16.53% | Beats 81% | 322 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 23.34% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,637 / 1,683 | |
| Loans / Assets | 19.03% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,639 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |