Credit Union Safety Analysis
Is First Choice Community Credit Union Safe? Knoxville, Tennessee
Based on its Q2 2026 NCUA 5300 call report, First Choice Community Credit Union has a net worth ratio of 16.41%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.02%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, First Choice Community Credit Union's net worth ratio is 16.41%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.41%
- Delinquency ratio (60+ days) (Q2 2026): 1.02%
- Return on assets (Q2 2026): 1.37%
- Loan-to-share ratio (Q2 2026): 48.61%
First Choice Community Credit Union (NCUA charter 67185, established 1934) reported $48.9M in assets and 3,515 members for Q2 2026 from Knoxville, Tennessee. It ranks 64 of 123 credit unions in Tennessee by total assets. Total assets fell 2.2% from $50.0M on June 30, 2025. It has 213 fewer members than on June 30, 2025 (-5.7%). Its net worth ratio was up 1.10 percentage points from 15.31% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $8.5M of $19.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.02% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.22% for Q1 2026; 15.31% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.68% for Q1 2026; 0.90% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.26% for Q1 2026; 0.81% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 49.21% for Q1 2026; 48.41% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $8.5M
- Used vehicle loans: $6.7M
- New vehicle loans: $1.9M
- Other secured non-real estate loans and lines of credit: $1.4M
- Other unsecured loans and lines of credit: $653K
- Unsecured credit card loans: $602K
- Commercial loans: $40K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $48.9M | 16.41% | 1.02% | 1.37% | 48.61% |
| March 31, 2026 | $48.5M | 16.22% | 0.68% | 1.26% | 49.21% |
| December 31, 2025 | $48.8M | 15.82% | 0.92% | -0.90% | 49.38% |
| September 30, 2025 | $49.9M | 15.67% | 0.78% | 1.31% | 48.29% |
| June 30, 2025 | $50.0M | 15.31% | 0.90% | 0.81% | 48.41% |
| March 31, 2025 | $49.8M | 15.17% | 0.12% | 1.21% | 48.59% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
First Choice Community Credit Union profile
Regulator records: NCUA credit union profile (charter 67185) · FFIEC NIC profile (RSSD 336295)
Frequently asked questions
Is First Choice Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, First Choice Community Credit Union's net worth ratio is 16.41%, above the 7% NCUA threshold for well capitalized.
Is First Choice Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. First Choice Community Credit Union is a federally insured credit union (NCUA charter 67185): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are First Choice Community Credit Union's key safety ratios?
For Q2 2026, First Choice Community Credit Union reports net worth 16.41%, delinquency 1.02%, ROA 1.37%, loan-to-share 48.61%.
What happens to my money if First Choice Community Credit Union fails?
For Q2 2026, First Choice Community Credit Union held $40.7M in shares and deposits for 3,515 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.