A
First Choice Financial Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
11.22
Leverage
Ratio
12.68
Return On
Assets
1.13%
Total
Assets
176.60M
Capital
19.81M
Total
Deposits
155.57M
Net
Income
1.57M
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Weiss Ratings First Choice Financial Federal Credit Union
Gloversville, NY 		Click to
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Rating A
Asset Quality Index 7.70
Capitalization Index 9.50
Liquidity Index 4.10
Profitability Index 7.30
Stability Index 7.70
Company Info First Choice Financial Federal Credit Union
Gloversville, NY 		Click to
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NCUA Charter Number 3597
Phone Number (518) 725-3191
Website www.fcfinancialcu.org
Asset Quality First Choice Financial Federal Credit Union
Gloversville, NY 		Click to
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1-Year Asset Growth -3.13%
5-Year Asset Growth 9.87%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.24%
Non-Performing Assets to Assets 0.77%
Non-Performing Loans to Capital 6.45%
Non-Performing Loans to Loans 1.54%
Balance Sheet First Choice Financial Federal Credit Union
Gloversville, NY 		Click to
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Total Assets 176.60M
Total Deposits 155.57M
Capital and Reserves First Choice Financial Federal Credit Union
Gloversville, NY 		Click to
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Capital 19.81M
Leverage Ratio 12.68
Loan Loss Reserves to Loans 1.50%
Liquidity First Choice Financial Federal Credit Union
Gloversville, NY 		Click to
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Hot Money Ratio 8.87%
Liquidity Ratio 24.09%
Profitability First Choice Financial Federal Credit Union
Gloversville, NY 		Click to
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5-Year Return on Average Assets 0.84%
Net Income 1.57M
Net Interest Spread 4.10%
Operating Profit to Average Assets 1.14%
Overhead Efficiency Ratio 68.53%
Return on Assets 1.13%
Return on Equity 11.61%