First Choice West Palm Beach, FL · Charter 67725 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 3 branches
Q2 2026
$161.3M Assets
$78.7M Loans
$146.5M Shares
$16.8M Net Worth
Executive Summary Strongest standing: efficiency ratio outperforms 75% of credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (rank 6 of 20). Widest gap: net interest margin trails 90% of credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (rank 18 of 20). Overall: at or above the peer median on 3 of 7 directional measures. Return on Assets
0.41%
Rank 10 of 20
Net Interest Margin
2.83%
Rank 18 of 20
Efficiency Ratio
77.46%
Rank 6 of 20
Equity / Assets
10.44%
Rank 16 of 20
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.41% 0.22% 0.41% 0.84% Beats 50% 10 / 20 Return on Equity 3.90% 1.78% 3.57% 6.45% Beats 55% 9 / 20 Net Interest Margin 2.83% 3.17% 3.67% 4.80% Beats 10% 18 / 20 Efficiency Ratio 77.46% 77.46% 82.82% 89.37% Beats 75% 6 / 20 Asset Quality Nonperforming Loans / Loans 0.60% 0.26% 0.56% 0.65% Beats 35% 14 / 20 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 10.44% 10.54% 11.05% 12.98% Beats 20% 16 / 20 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 10.44% 10.54% 11.05% 12.98% Beats 20% 16 / 20 Liquidity & Funding Loans / Deposits 53.71% 54.64% 78.75% 84.99% 20th pctl 16 / 20 Loans / Assets 48.81% 48.81% 63.38% 73.06% 25th pctl 15 / 20 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11