First Choice Community
Knoxville, TN · Charter 67185 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$48.9MAssets
$19.8MLoans
$40.7MShares
$8.0MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 80% of credit unions under $1B in assets (rank 339 of 1683).
- Widest gap: nonperforming loans / loans trails 68% of credit unions under $1B in assets (rank 1141 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.31%
Rank 339 of 1,683
Net Interest Margin
4.07%
Rank 616 of 1,683
Efficiency Ratio
72.12%
Rank 541 of 1,682
Equity / Assets
16.41%
Rank 428 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.35% | 0.74% | 1.18% | Beats 80% | 339 / 1,683 | |
| Return on Equity | 7.99% | 2.67% | 5.89% | 8.74% | Beats 69% | 514 / 1,681 | |
| Net Interest Margin | 4.07% | 3.31% | 3.82% | 4.32% | Beats 63% | 616 / 1,683 | |
| Efficiency Ratio | 72.12% | 68.91% | 78.20% | 86.93% | Beats 68% | 541 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.02% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,141 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.41% | 10.44% | 12.89% | 16.53% | Beats 75% | 428 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.41% | 10.44% | 12.89% | 16.53% | Beats 75% | 428 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 48.61% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,346 / 1,683 | |
| Loans / Assets | 40.41% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,356 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |