Federal credit union · Weirton, West Virginia · NCUA charter #3264
First Choice America Community
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $687.5M
- Total assets
- 31,129
- Members
- 17.9%
- Net-worth ratio
First Choice America Community scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $687.5M; members 31,129; net-worth ratio 17.95%; health rank #2,693 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,693 of 4,374 health · 2025Q4First Choice America Commun… · health 80/100 · $687.5M · 2025Q4
Call Report peers
First Choice America Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Choice America Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Choice America Community sits in 80-84 with 767 others.
80 36th percentile higher than 36% 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
Where First Choice America Community diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +6.77 pp (17.95% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 24.54% here, 83.90% peer average (-59.36 pp).
First Choice America Community: in-state Call Report ranks
- Health composite ranks #45 of 74 among scored West Virginia credit unions.
- West Virginia assets place: #2 of 74.
- West Virginia membership ordinal: #3 of 74.
- One place up in West Virginia, Harrison County (#44) ties at 80/100; one place down, UNIVERSAL (#46) ties at 80/100.
First Choice America Community Call Report trajectory
First Choice America Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $687.5M (2025Q4) to $704.4M (2026Q1).
- Net-worth ratio shifted -0.03 pp (17.98% → 17.95%).
At 17.95%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
First Choice America Community gives up 20 points in total. Member Growth costs the most, 12.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 7.9 pts
Call Report ratios for First Choice America Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.95% | +6.77 pp |
| Delinquency Rate | 0.37% | -0.50 pp |
| Return on Assets | 1.95% | +1.45 pp |
| Member Growth | -3.86% | - |
| Loan-to-Share Ratio | 24.54% | -59.36 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - First Choice America Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $704.4M | - |
| 2025Q4 | $687.5M | 31,129 |
| 2024Q4 | $649.5M | 32,378 |
| 2023Q4 | $599.8M | 33,729 |
Credit Union Details
- Charter Number
- 3264
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- West Virginia
- City
- Weirton
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, First Choice America Community runs 8 offices in 5 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Weirton, WV |
| Chester Office | Chester, WV |
| Steubenville Office | Steubenville, OH |
| Three Springs Drive | Weirton, WV |
| Wheeling Office | Wheeling, WV |
| Elm Grove Office | Wheeling, WV |
| Medical Park Office | Wheeling, WV |
| Wintersville Office | Wintersville, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
Cross-state Call Report peers for First Choice America Commun…
Using this data
- First Choice America Community ranks #2,693 of 4,374 nationally on financial health and #45 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bayer Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bayer Heritage
Frequently Asked Questions
Is First Choice America Community financially healthy?
On its 2025Q4 NCUA 5300 filing, First Choice America Community scores 80/100 (Excellent), with a 17.95% net worth ratio and 0.37% of loans delinquent. It ranks #2,693 of 4,374 nationally on health and #45 of 74 in West Virginia.
How does First Choice America Community compare to other credit unions?
First Choice America Community scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (17.95% vs 11.18%). Its widest shortfall is loan-to-share ratio (24.54% vs 83.90%).
How can I join First Choice America Community?
First Choice America Community 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 America Community directly for the exact boundaries and application steps.
Is my money safe at First Choice America Community?
First Choice America Community 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 America Community's net worth ratio of 17.95% 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.