First Choice
New Castle, PA · Charter 8229 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 3 branches
Q2 2026
$94.5MAssets
$53.8MLoans
$81.8MShares
$11.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 3 of 78).
- Widest gap: equity / assets trails 73% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 57 of 78).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.67%
Rank 13 of 78
Net Interest Margin
4.23%
Rank 19 of 78
Efficiency Ratio
62.38%
Rank 17 of 78
Equity / Assets
12.57%
Rank 57 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 0.37% | 0.83% | 1.31% | Beats 83% | 13 / 78 | |
| Return on Equity | 13.28% | 1.73% | 5.71% | 9.08% | Beats 96% | 3 / 78 | |
| Net Interest Margin | 4.23% | 3.17% | 3.63% | 4.21% | Beats 76% | 19 / 78 | |
| Efficiency Ratio | 62.38% | 65.01% | 78.15% | 89.28% | Beats 79% | 17 / 78 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.40% | 0.84% | 1.97% | Beats 54% | 37 / 78 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.57% | 12.42% | 15.10% | 18.27% | Beats 27% | 57 / 78 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.57% | 12.42% | 15.10% | 18.27% | Beats 27% | 57 / 78 | |
| Liquidity & Funding |
| Loans / Deposits | 65.77% | 34.83% | 50.41% | 71.84% | 71st pctl | 23 / 78 | |
| Loans / Assets | 56.96% | 29.34% | 41.02% | 56.96% | 74th pctl | 20 / 78 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |