Federal credit union · GREENSBURG, Pennsylvania · NCUA charter #839
Firstenergy Choice
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $51.0M
- Total assets
- 3,599
- Members
- 20.8%
- Net-worth ratio
Firstenergy Choice scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $51.0M; members 3,599; net-worth ratio 20.76%; health rank #2,379 of 4,374; healthier than 43rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,379 of 4,374 health · 2025Q4Firstenergy Choice · health 82/100 · $51.0M · 2025Q4
- ROA 82/100
- ASSETS 20.8%
- MEM 0.19%
- RANK 0.26%
- PHOTO $51.0M
- BOOK 3,599
- CHARTER #2,379/4,374
- NCUSIF WESTMINSTER
- CAMELS 839
Call Report peers
Firstenergy Choice in the assets neighbourhood
Firstenergy Choice's $51.0M assets sit next to WESTMINSTER ($51.0M) 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.
Firstenergy 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
82 43rd percentile higher than 43% 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
Firstenergy Choice - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #839 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Firstenergy Choice diverges from peer averages
- Net Worth Ratio leads the peer set - 20.76% here, 13.62% peer average (+7.14 pp).
- Largest lag: Loan-to-Share Ratio at 32.92% vs peer 62.60% (-29.68 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Firstenergy Choice: in-state Call Report ranks
- In Pennsylvania, health place is #117 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #122 of 275.
- Pennsylvania membership ordinal: #127 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Firstenergy Choice
Firstenergy Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $51.0M (2025Q4) to $52.2M (2026Q1).
- Net-worth ratio shifted -0.15 pp (20.91% → 20.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
20.76% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.4 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 8.7 pts
Firstenergy Choice vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.76% | +7.14 pp |
| Delinquency Rate | 0.19% | -0.77 pp |
| Return on Assets | 0.26% | -0.40 pp |
| Member Growth | -1.18% | - |
| Loan-to-Share Ratio | 32.92% | -29.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Firstenergy Choice filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $52.2M | - |
| 2025Q4 | $51.0M | 3,599 |
| 2024Q4 | $53.4M | 3,642 |
| 2023Q4 | $54.8M | 3,732 |
Credit Union Details
- Charter Number
- 839
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- GREENSBURG
- Data Quarter
- 2025Q4
Branch Location
Firstenergy Choice operates a single office in Greensburg, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| FirstEnergy Choice Federal Credit Union (Main Office) | Greensburg, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Firstenergy Choice nationwide neighbourhoods
Two NCUA Call Report peer sets for Firstenergy Choice, both outside Pennsylvania 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 ($51.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Firstenergy Choice ranks #2,379 of 4,374 nationally on financial health and #117 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 3HILL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 3HILL
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 Firstenergy Choice financially healthy?
Firstenergy Choice has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,379 of 4,374; by total assets it ranks #2,389 of 4,374 nationally (same basis as /rankings/largest); and #122 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.76% and delinquency rate of 0.19%.
How does Firstenergy Choice compare to other credit unions?
Firstenergy Choice scores 82/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Firstenergy Choice?
Firstenergy Choice 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 Firstenergy Choice directly for the exact boundaries and application steps.
Is my money safe at Firstenergy Choice?
Federal credit unions like Firstenergy 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. Firstenergy Choice's net worth ratio of 20.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Firstenergy Choice offer compared to banks?
Credit unions like Firstenergy 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 Firstenergy 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.