First Choice Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.7 has resulted in Excellent (10.0) profitability. Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.4.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10). A current level of 4.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
Asset Mix:
Consumer loans (47%), home mtgs (7%), securities (4%), other (42%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2209 West State Street
New Castle, PA 16101
New Castle, PA 16101
Phone Number
(724) 652-8393
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
New Castle, PA
New Castle, PA
New Castle, PA
New Castle, PA