Weiss Ratings
First Choice America Community Federal Credit Union
Weirton, WV
Weirton, WV
Low
First Choice America Community Federal Credit Union
Industry Average
High
Asset Quality Index
10.00
0.00
10.00
Capitalization Index
10.00
0.00
10.00
Liquidity Index
7.90
0.30
9.70
Profitability Index
9.20
0.00
10.00
Stability Index
10.00
0.00
10.00
Asset Quality
First Choice America Community Federal Credit Union
Weirton, WV
Weirton, WV
Low
First Choice America Community Federal Credit Union
Industry Average
High
1-Year Asset Growth
3.27%
< -10.00%
> 10.00%
5-Year Asset Growth
5.84%
< 0.00%
> 20.00%
5-Year Charge-Offs to Average Loans
0.05%
< 0.00%
> 10.00%
Charge-Offs to Average Loans
0.04%
< 0.00%
> 10.00%
Non-Performing Assets to Assets
0.07%
0.00%
> 10.00%
Non-Performing Loans to Capital
0.45%
0.00%
> 20.00%
Non-Performing Loans to Loans
0.33%
0.00%
> 10.00%
Balance Sheet
First Choice America Community Federal Credit Union
Weirton, WV
Weirton, WV
Low
First Choice America Community Federal Credit Union
Industry Average
High
Total Assets
619.19M
< 250.79M
> 1.00B
Total Deposits
515.79M
< 210.31M
> 841.23M
Capital and Reserves
First Choice America Community Federal Credit Union
Weirton, WV
Weirton, WV
Low
First Choice America Community Federal Credit Union
Industry Average
High
Capital
101.41M
< 22.66M
> 101.41M
Leverage Ratio
16.38
0.00
> 30.00
Loan Loss Reserves to Loans
1.08%
0.00%
> 10.00%
Risk-Based Capital Ratio
16.38
< 0.00
> 30.00
Liquidity
First Choice America Community Federal Credit Union
Weirton, WV
Weirton, WV
Low
First Choice America Community Federal Credit Union
Industry Average
High
Hot Money Ratio
10.51%
0.00%
> 20.00%
Liquidity Ratio
76.02%
< 10.00%
> 80.00%
Profitability
First Choice America Community Federal Credit Union
Weirton, WV
Weirton, WV
Low
First Choice America Community Federal Credit Union
Industry Average
High
5-Year Return on Average Assets
1.02%
< 0.00%
> 10.00%
Net Income
3.45M
< 408.06K
> 3.45M
Net Interest Spread
6.47%
< 0.00%
> 10.00%
Operating Profit to Average Assets
2.26%
< 0.00%
> 10.00%
Overhead Efficiency Ratio
41.18%
< 40.00%
> 170.00%
Return on Assets
2.26%
< 0.00%
> 10.00%
Return on Equity
13.83%
< 0.00%
> 20.00%
