State credit union · Knoxville, Tennessee · NCUA charter #67185
First Choice Community
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $48.8M
- Total assets
- 3,608
- Members
- 16.2%
- Net-worth ratio
First Choice Community scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $48.8M; members 3,608; net-worth ratio 16.22%; health rank #3,057 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,057 of 4,374 health · 2025Q4First Choice Community · health 77/100 · $48.8M · 2025Q4
- PHOTO 77/100
- BOOK 16.2%
- CHARTER 0.92%
- NCUSIF 1.04%
- CAMELS $48.8M
- HEALTH 3,608
- NW #3,057/4,374
- DELQ Fresno Police Department
- ROA 67185
Call Report peers
First Choice Community in the assets neighbourhood
First Choice Community's $48.8M assets sit next to Fresno Police Department ($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 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
77 28th percentile higher than 28% 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 Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67185, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
First Choice Community: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +1.36 pp (16.22% vs 14.86%).
- Loan-to-Share Ratio trails the peer set - 49.38% here, 59.80% peer average (-10.42 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Choice Community sits in Tennessee
- Health composite ranks #88 of 127 among scored Tennessee credit unions.
- Assets rank #65 of 127 inside Tennessee ($48.8M reported).
- Membership ranks #66 of 127 among Tennessee CUs with a reported count (3,608 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Choice Community: 2025Q4 → 2026Q1
First Choice Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $48.8M (2025Q4) to $48.5M (2026Q1).
- Net-worth ratio shifted +0.40 pp (15.82% → 16.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.3 pts
- Loan-to-Share Ratio 10.9 pts
Call Report ratios for First Choice Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.22% | +1.36 pp |
| Delinquency Rate | 0.92% | -0.22 pp |
| Return on Assets | 1.04% | +0.34 pp |
| Member Growth | -4.83% | - |
| Loan-to-Share Ratio | 49.38% | -10.42 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).
Call Report history - First Choice Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.5M | - |
| 2025Q4 | $48.8M | 3,608 |
| 2024Q4 | $48.7M | 3,791 |
| 2023Q4 | $46.7M | 3,901 |
Credit Union Details
- Charter Number
- 67185
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- Knoxville
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, First Choice Community runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| First Choice Community Credit Union (Main Office) | Knoxville, TN |
| First Choice Comm-Mascot | Mascot, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Cross-state Call Report peers for First Choice Community
Cross-state asset and health neighbours for First Choice Community - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($48.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- First Choice Community ranks #3,057 of 4,374 nationally on financial health and #88 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Methodist Healthcare is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Methodist Healthcare
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Community financially healthy?
A 16.22% net worth ratio and a 0.92% delinquency rate feed into First Choice Community's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,057 of 4,374; by total assets it ranks #2,421 of 4,374 nationally (same basis as /rankings/largest); and #65 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does First Choice Community compare to other credit unions?
Five weighted metrics from NCUA filings produce First Choice Community's 77/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Community?
Membership eligibility for First Choice Community 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 Community directly for current membership requirements and application steps.
Is my money safe at First Choice Community?
Federal credit unions like First Choice 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 Community's net worth ratio of 16.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Choice Community offer compared to banks?
Credit unions like First Choice 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 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.