Credit Union Safety Analysis
Is First Choice Credit Union Safe? West Palm Beach, Florida
Based on its Q2 2026 NCUA 5300 call report, First Choice Credit Union has a net worth ratio of 10.44%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.60%, 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 Credit Union's net worth ratio is 10.44%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.44%
- Delinquency ratio (60+ days) (Q2 2026): 0.60%
- Return on assets (Q2 2026): 0.50%
- Loan-to-share ratio (Q2 2026): 53.71%
First Choice Credit Union (NCUA charter 67725) reported $161.3M in assets and 8,251 members for Q2 2026 from West Palm Beach, Florida. It ranks 59 of 106 credit unions in Florida by total assets. Total assets grew 7.9% from $149.4M on June 30, 2025. It has 459 fewer members than on June 30, 2025 (-5.3%). Its net worth ratio was down 0.40 percentage points from 10.84% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $29.3M of $78.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.60% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.71% for Q1 2026; 10.84% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.47% for Q1 2026; 0.56% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.33% for Q1 2026; 0.37% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 55.38% for Q1 2026; 56.66% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $29.3M
- Used vehicle loans: $28.9M
- New vehicle loans: $17.8M
- Unsecured credit card loans: $1.5M
- Other unsecured loans and lines of credit: $831K
- Other secured non-real estate loans and lines of credit: $383K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $161.3M | 10.44% | 0.60% | 0.50% | 53.71% |
| March 31, 2026 | $155.4M | 10.71% | 0.47% | 0.33% | 55.38% |
| December 31, 2025 | $154.3M | 10.70% | 0.72% | 0.42% | 55.36% |
| September 30, 2025 | $152.0M | 10.75% | 0.32% | 0.37% | 55.57% |
| June 30, 2025 | $149.4M | 10.84% | 0.56% | 0.37% | 56.66% |
| March 31, 2025 | $152.9M | 10.50% | 0.17% | 0.32% | 54.14% |
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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 Credit Union profile
Regulator records: NCUA credit union profile (charter 67725) · FFIEC NIC profile (RSSD 910994)
Frequently asked questions
Is First Choice Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, First Choice Credit Union's net worth ratio is 10.44%, above the 7% NCUA threshold for well capitalized.
Is First Choice Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. First Choice Credit Union is a federally insured credit union (NCUA charter 67725): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are First Choice Credit Union's key safety ratios?
For Q2 2026, First Choice Credit Union reports net worth 10.44%, delinquency 0.60%, ROA 0.50%, loan-to-share 53.71%.
What happens to my money if First Choice Credit Union fails?
For Q2 2026, First Choice Credit Union held $146.5M in shares and deposits for 8,251 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.