State credit union · WEST PALM BEACH, Florida · NCUA charter #67725
First Choice
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $154.3M
- Total assets
- 8,298
- Members
- 10.7%
- Net-worth ratio
First Choice scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $154.3M; members 8,298; net-worth ratio 10.71%; health rank #2,877 of 4,374; healthier than 33rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,877 of 4,374 health · 2025Q4First Choice · health 79/100 · $154.3M · 2025Q4
- NCUSIF 79/100
- CAMELS 10.7%
- HEALTH 0.72%
- NW 0.52%
- DELQ $154.3M
- ROA 8,298
- ASSETS #2,877/4,374
- MEM ADVANZ
- RANK 67725
Call Report peers
First Choice in the assets neighbourhood
First Choice's $154.3M assets sit next to ADVANZ ($154.0M) 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
79 33rd percentile higher than 33% 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
Below: composite supervisory bracket and risk-based capital for charter #67725, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
First Choice: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.72% here, 0.89% peer average (-0.17 pp).
- Loan-to-Share Ratio trails the peer set - 55.36% here, 72.20% peer average (-16.84 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Choice sits in Florida
- Health composite ranks #87 of 109 among scored Florida credit unions.
- Assets rank #61 of 109 inside Florida ($154.3M reported).
- Member book place in Florida: #69 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for First Choice
First Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $154.3M (2025Q4) to $155.4M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.70% → 10.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.71% | -1.40 pp |
| Delinquency Rate | 0.72% | -0.17 pp |
| Return on Assets | 0.52% | -0.10 pp |
| Member Growth | -7.22% | - |
| Loan-to-Share Ratio | 55.36% | -16.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - First Choice
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $155.4M | - |
| 2025Q4 | $154.3M | 8,298 |
| 2024Q4 | $145.1M | 8,944 |
| 2023Q4 | $141.2M | 9,096 |
Credit Union Details
- Charter Number
- 67725
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- WEST PALM BEACH
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, First Choice runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | West Palm Beach, FL |
| VA Medical Center | Riviera Beach, FL |
| Shared Service Centers/Network | Tampa, FL |
| Main Office | West Palm Beach, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near First Choice
First Choice's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($154.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- First Choice ranks #2,877 of 4,374 nationally on financial health and #87 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HELLO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HELLO
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 has a financial health score of 79/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,877 of 4,374; by total assets it ranks #1,473 of 4,374 nationally (same basis as /rankings/largest); and #61 of 109 within Florida. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.71% and delinquency rate of 0.72%.
How does First Choice compare to other credit unions?
On PlainCU's health composite, First Choice lands at 79/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 10.71% 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.