1ST CHOICE

Charter #67505 | GA

<100M (2596 CUs) Micro
43 <100M in GA

1ST CHOICE has 3 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.40% above tier average
  • + Members Per Employee (MPE): Top 3.6% in tier
  • + Total Members: Top 6.4% in tier

Key Concerns

Areas that may need attention

  • - ROA 5.10% below tier average
  • - Efficiency ratio 97.16% above tier (higher cost structure)
  • - Delinquency rate 12.52% above tier average
  • - Net Worth Ratio: Bottom 0.1% in tier
  • - Total Delinquency Rate (60+ days): Bottom 1.7% in tier
  • - Net Charge-Off Rate: Bottom 2.4% in tier
  • - AMR Growth Rate: Bottom 3.4% in tier
  • - Loan Growth Rate: Bottom 3.5% in tier
  • - Asset Growth Rate: Bottom 6.4% in tier
  • - Indirect Auto Concentration (%): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 6,844
+1.0% YoY-10.4% QoQ
 +4.2K 2,625
-2.2% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 Top 6.4% in tier
Assets $30.6M
-9.1% YoY-2.0% QoQ
 +$751K $29.9M
+1.1% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 61st in tier
Loans $17.9M
-26.2% YoY-7.1% QoQ
 +$2.1M $15.8M
-2.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 66th in tier
Deposits $31.0M
-6.2% YoY-0.6% QoQ
 +$5.6M $25.5M
+0.4% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA -4.4%
-49.7% YoY-12.0% QoQ
 -5.1% 0.7%
-731.4% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 Bottom 1.3% in tier
NIM 4.3%
-11.5% YoY+0.3% QoQ
 +0.4% 3.9%
+3.8% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 68th in tier
Efficiency Ratio 178.5%
+66.0% YoY-14.1% QoQ
 +97.2% 81.4%
-2.4% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Top 1.6% in tier
Delinquency Rate 14.0%
+22.6% YoY+21.0% QoQ
 +12.5 1.5%
-2.0% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 Top 1.7% in tier
Loan To Share 57.5%
-21.3% YoY-6.6% QoQ
 -3.7% 61.2%
-3.0% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 44th in tier
AMR $7,142
-15.5% YoY+8.1% QoQ
 $-7K $14,627
-2.7% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 Bottom 15.4% in tier
CD Concentration 6.4%
-17.5% YoY-5.7% QoQ
 -18.0% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 10.3%
-5.7% QoQ
 -3.6% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (3 metrics)

94
Members Per Employee (MPE)
engagement
Value: 760.444
Peer Avg: 365.701
#94 of 2596 Top 3.6% in <100M tier
166
Total Members
engagement
Value: 6,844
Peer Avg: 2,626
#166 of 2596 Top 6.4% in <100M tier
626
Member Growth Rate
growth
Value: 0.96%
Peer Avg: 14.92%
#626 of 2596 Top 24.1% in <100M tier

Top Weaknesses (12 metrics)

2594
Net Worth Ratio
risk
Value: -0.86%
Peer Avg: 16.43%
#2594 of 2596 Bottom 0.1% in <100M tier
2562
Return on Assets (ROA)
profitability
Value: -4.42%
Peer Avg: 0.68%
#2562 of 2596 Bottom 1.3% in <100M tier
2556
Efficiency Ratio
profitability
Value: 178.55%
Peer Avg: 81.39%
#2556 of 2596 Bottom 1.6% in <100M tier
2554
Total Delinquency Rate (60+ days)
risk
Value: 14.03%
Peer Avg: 1.51%
#2554 of 2596 Bottom 1.7% in <100M tier
2535
Net Charge-Off Rate
risk
Value: 3.57%
Peer Avg: 0.57%
#2535 of 2596 Bottom 2.4% in <100M tier
2509
AMR Growth Rate
growth
Value: -15.51%
Peer Avg: 4.67%
#2509 of 2596 Bottom 3.4% in <100M tier
2506
Loan Growth Rate
growth
Value: -26.25%
Peer Avg: 59.01%
#2506 of 2596 Bottom 3.5% in <100M tier
2431
Asset Growth Rate
growth
Value: -9.13%
Peer Avg: 1.82%
#2431 of 2596 Bottom 6.4% in <100M tier
2358
Indirect Auto Concentration (%)
balance_sheet
Value: 10.32%
Peer Avg: 2.84%
#2358 of 2596 Bottom 9.2% in <100M tier
2243
Deposit Growth Rate
growth
Value: -6.24%
Peer Avg: 16.80%
#2243 of 2596 Bottom 13.6% in <100M tier