Federal credit union · New Castle, Pennsylvania · NCUA charter #8229
First Choice
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $95.2M
- Total assets
- 9,494
- Members
- 12.2%
- Net-worth ratio
First Choice scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $95.2M; members 9,494; net-worth ratio 12.24%; health rank #627 of 4,374; healthier than 84th of scored peers.
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NCUA 5300 Call Report Masthead
#627 of 4,374 health · 2025Q4First Choice · health 93/100 · $95.2M · 2025Q4
Call Report peers
First Choice in the assets neighbourhood
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First Choice vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Choice sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for First Choice
- Largest favorable gap: Loan-to-Share Ratio at 66.43% vs peer 62.60% (+3.83 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.38 pp (12.24% vs 13.62%).
First Choice: in-state Call Report ranks
- In Pennsylvania, health place is #29 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #88 of 275 inside Pennsylvania ($95.2M reported).
- Pennsylvania membership ordinal: #70 of 275.
- One place up in Pennsylvania, Greater Pittsburgh (#28) ties at 93/100; one place down, Central Susquehanna Community (#30) ties at 93/100.
How First Choice's 5300 filing moved
First Choice: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.3% from $95.2M (2025Q4) to $93.9M (2026Q1).
- Net-worth ratio shifted +0.59 pp (11.65% → 12.24%).
12.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
First Choice gives up 7 points in total. Delinquency Rate costs the most, 6 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.0 pts
First Choice vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.24% | -1.38 pp |
| Delinquency Rate | 1.13% | +0.17 pp |
| Return on Assets | 1.22% | +0.56 pp |
| Member Growth | 23.04% | - |
| Loan-to-Share Ratio | 66.43% | +3.83 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
First Choice filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $93.9M | - |
| 2025Q4 | $95.2M | 9,494 |
| 2024Q4 | $75.0M | 7,716 |
| 2023Q4 | $66.8M | 7,492 |
Credit Union Details
- Charter Number
- 8229
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- New Castle
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, First Choice runs 5 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| First Choice FCU (Main Office) | New Castle, PA |
| SCA Federal Credit Union | New Castle, PA |
| First Choice FCU | New Castle, PA |
| First Choice FCU | New Castle, PA |
| GBS | Youngstown, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- First Choice ranks #627 of 4,374 nationally on financial health and #29 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TIMBERLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TIMBERLAND
Frequently Asked Questions
Is First Choice financially healthy?
On its 2025Q4 NCUA 5300 filing, First Choice scores 93/100 (Excellent), with a 12.24% net worth ratio and 1.13% of loans delinquent. It ranks #627 of 4,374 nationally on health and #29 of 275 in Pennsylvania.
How does First Choice compare to other credit unions?
First Choice scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (66.43% vs 62.60%). Its widest shortfall is net worth ratio (12.24% vs 13.62%).
How can I join First Choice?
First Choice operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact First Choice directly for the exact boundaries and application steps.
Is my money safe at First Choice?
First Choice is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. First Choice's net worth ratio of 12.24% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.