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
- CAMELS 80/100
- HEALTH 17.9%
- NW 0.37%
- DELQ 1.95%
- ROA $687.5M
- ASSETS 31,129
- MEM #2,693/4,374
- RANK APCI
- PHOTO 3264
Call Report peers
First Choice America Community in the assets neighbourhood
First Choice America Community's $687.5M assets sit next to APCI ($686.9M) 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 America Community 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
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
First Choice America Community - Share Insurance Coverage
Charter #3264's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Choice America Community Call Report trajectory
First Choice America Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $687.5M (2025Q4) to $704.4M (2026Q1).
- Net-worth ratio shifted -0.03 pp (17.98% → 17.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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…
Two NCUA Call Report peer sets for First Choice America Community, both outside West Virginia 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 ($687.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- Rates and health both vary by institution, not just by state -- see how West Virginia credit unions compare overall before assuming this one is typical. West Virginia 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 America Community financially healthy?
A 17.95% net worth ratio and a 0.37% delinquency rate feed into First Choice America Community's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,693 of 4,374; by total assets it ranks #625 of 4,374 nationally (same basis as /rankings/largest); and #2 of 74 within West Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does First Choice America Community compare to other credit unions?
Five weighted metrics from NCUA filings produce First Choice America Community's 80/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like First Choice America Community 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 America Community's net worth ratio of 17.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Choice America Community offer compared to banks?
Credit unions like First Choice America Community 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 America Community 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.