State credit union · MARSHFIELD, Wisconsin · NCUA charter #66545
First Choice
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $48.7M
- Total assets
- 3,282
- Members
- 16.1%
- Net-worth ratio
First Choice scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $48.7M; members 3,282; net-worth ratio 16.11%; health rank #80 of 4,374; healthier than 97th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#80 of 4,374 health · 2025Q4First Choice · health 98/100 · $48.7M · 2025Q4
- HEALTH 98/100
- NW 16.1%
- DELQ 0.55%
- ROA 1.15%
- ASSETS $48.7M
- MEM 3,282
- RANK #80/4,374
- PHOTO First Choice Community
- BOOK 66545
Call Report peers
First Choice in the assets neighbourhood
First Choice's $48.7M assets sit next to First Choice Community ($48.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Choice vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
First Choice - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66545. See our deposit-insurance coverage note.
Peer-gap read for First Choice
- Loan-to-Share Ratio leads the peer set - 69.87% here, 59.80% peer average (+10.07 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wisconsin standing for First Choice
- In Wisconsin, health place is #2 of 100 on the same NCUA-ratio sort used nationally.
- Wisconsin assets place: #66 of 100.
- Member book place in Wisconsin: #66 of 100.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Choice Call Report trajectory
First Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $48.7M (2025Q4) to $50.1M (2026Q1).
- Net-worth ratio shifted -0.12 pp (16.23% → 16.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for First Choice
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.11% | +1.25 pp |
| Delinquency Rate | 0.55% | -0.59 pp |
| Return on Assets | 1.15% | +0.45 pp |
| Member Growth | 3.57% | - |
| Loan-to-Share Ratio | 69.87% | +10.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
First Choice filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.1M | - |
| 2025Q4 | $48.7M | 3,282 |
| 2024Q4 | $45.3M | 3,169 |
| 2023Q4 | $43.5M | 3,109 |
Credit Union Details
- Charter Number
- 66545
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Wisconsin
- City
- MARSHFIELD
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for First Choice.
| Office | City |
|---|---|
| FIRST CHOICE CREDIT UNION (Main Office) | Marshfield, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
First Choice nationwide neighbourhoods
Two NCUA Call Report peer sets for First Choice, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($48.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- First Choice ranks #80 of 4,374 nationally on financial health and #2 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Athens Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Athens Area
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Choice financially healthy?
First Choice scores 98/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #80 of 4,374; by total assets it ranks #2,422 of 4,374 nationally (same basis as /rankings/largest); and #66 of 100 within Wisconsin. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.11% net worth ratio and a 0.55% delinquency rate.
How does First Choice compare to other credit unions?
98/100 is First Choice's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join First Choice?
Membership eligibility for First Choice depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Choice directly for current membership requirements and application steps.
Is my money safe at First Choice?
Federal credit unions like First Choice are 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 16.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Choice offer compared to banks?
Credit unions like First Choice are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Choice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.