Side-by-side · Q2 2026 data
First Choice America Community Federal Credit Union vs Fairmont Federal Credit Union
Credit union
First Choice America Community Federal Credit Union
Weirton, West Virginia · $100 million – $1 billion
Credit union
Fairmont Federal Credit Union
Fairmont, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | First Choice America Community Federal Credit Union | Fairmont Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 95 (stronger) | 77 |
| Earnings | 87 (stronger) | 54 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 99th | 45th |
| Total assets | $713.9M | $603.1M |
| Deposits / shares | $581.8M | $542.4M |
| Capital ratio | 18.15% (stronger) | 9.97% |
| Problem loans | 0.15% (stronger) | 0.69% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.67% (stronger) | 0.86% |
| Loans ÷ deposits | 23.3% (stronger) | 70.4% |
| Uninsured deposits | 13.2% | 6.1% (stronger) |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.8% | — |
First Choice America Community Federal Credit Union has the higher TellerScore (96 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Choice America Community Federal Credit Union leads on 6 and Fairmont Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.