B
First Choice Financial Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
9.74
Leverage
Ratio
11.57
Return On
Assets
1.07%
Total
Assets
188.75M
Capital
18.38M
Total
Deposits
159.41M
Net
Income
1.00M
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Weiss Ratings First Choice Financial Federal Credit Union
Gloversville, NY 		Click to
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Rating B
Asset Quality Index 7.80
Capitalization Index 7.40
Liquidity Index 4.80
Profitability Index 7.10
Stability Index 7.00
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 9.72%
5-Year Asset Growth 9.87%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.22%
Non-Performing Assets to Assets 0.63%
Non-Performing Loans to Capital 6.05%
Non-Performing Loans to Loans 1.34%
Balance Sheet First Choice Financial Federal Credit Union
Gloversville, NY 		Click to
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Total Assets 188.75M
Total Deposits 159.41M
Capital and Reserves First Choice Financial Federal Credit Union
Gloversville, NY 		Click to
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Capital 18.38M
Leverage Ratio 11.57
Loan Loss Reserves to Loans 1.32%
Liquidity First Choice Financial Federal Credit Union
Gloversville, NY 		Click to
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Hot Money Ratio 8.54%
Liquidity Ratio 33.53%
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 1.00M
Net Interest Spread 4.00%
Operating Profit to Average Assets 1.08%
Overhead Efficiency Ratio 70.36%
Return on Assets 1.07%
Return on Equity 11.47%