FIRST CHOICE Credit Union Profile

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FIRST CHOICE

Charter #8229 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (724) 652-8393

Fax: (724) 652-8855

Founding Date: N/A

Website: https://www.firstchoicefcu.com

Personnel & Operations

President: Miller, Pamela

Manager: Vatter, Michael

FT Employees: 14

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 52

Branches: 3

Hours: M - F 8:30 am - 4:30 pm

Credit Union Profile Summary

FIRST CHOICE is a FCU Credit Union. With a total of 7,836 members [1], this institution manages approximately $77,054,538 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.07% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -6.73% [1].

Financial Snapshot

Total Assets [1]
$77,054,538

Total economic resources.

Total Loans [1]
$49,531,690

Total value of outstanding loans.

Total Deposits [1]
$67,561,513

Total funds deposited by members.

Members [1]
7,836

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.07%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.62%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
73.31%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 9.84%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -6.73%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 2.85%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2209 W State St

New Castle, PA, 16101-1138
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by FIRST CHOICE (Charter #8229).

Main Office

First Choice FCU Main Office

Type: Corporate Office

2209 W State St

New Castle, PA 16101-1138

Phone: (724) 652-8393

Services: Member Services, ATM, Drive-Thru

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Additional Branches

New Castle

First Choice FCU

Type: Branch Office

2810 Wilmington Rd

New Castle, PA 16105-1232

Phone: (724) 652-8070

Services: Member Services, ATM, Drive-Thru

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First Choice FCU

Type: Branch Office

1144 Butler Ave

New Castle, PA 16101-4264

Phone: (724) 656-3595

Services: Member Services, ATM, Drive-Thru

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