TellerScore

First Choice Credit Union (NCUA charter #67725) is based in West Palm Beach, Florida. Its Q2 2026 call report shows $161.3M in total assets and $146.5M in member shares and deposits and 4 offices.

First Choice Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 67th. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 7% uninsured); earnings contributes the least (36/100, 0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.44%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings36/100
Return on assets (annualized): 0.41%
Funding & liquidity100/100
Loans ÷ shares: 53.7% · 7.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.81%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 68).

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202473
Q1 202571
Q2 202569
Q3 202571
Q4 202567
Q1 202669
Q2 202668
Net worth ratio
7.00%9.00%10.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.93%
Q3 202410.91%
Q4 202410.99%
Q1 202510.50%
Q2 202510.84%
Q3 202510.75%
Q4 202510.70%
Q1 202610.71%
Q2 202610.44%
Delinquent loans (60+ days)
0.17%0.45%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.27%
Q4 20240.33%
Q1 20250.17%
Q2 20250.56%
Q3 20250.32%
Q4 20250.72%
Q1 20260.47%
Q2 20260.60%
Return on assets
0.32%0.46%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.53%
Q3 20240.59%
Q4 20240.55%
Q1 20250.32%
Q2 20250.35%
Q3 20250.35%
Q4 20250.36%
Q1 20260.33%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$161.3M10.44%0.60%0.41%53.7%
Q1 202669$155.4M10.71%0.47%0.33%55.4%
Q4 202567$154.3M10.70%0.72%0.36%55.4%
Q3 202571$152.0M10.75%0.32%0.35%55.6%
Q2 202569$149.4M10.84%0.56%0.35%56.7%
Q1 202571$152.9M10.50%0.17%0.32%54.1%
Q4 202473$145.1M10.99%0.33%0.55%56.7%
Q3 202474$144.7M10.91%0.27%0.59%56.4%
Q2 202473$142.0M10.93%0.29%0.53%54.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.44%
35th
Problem loans0.60%
56th
Net charge-offs0.33%
53rd
Return on assets0.41%
24th
Loans to deposits53.7%
87th
Uninsured deposits7.0%
39th
Loan-loss reserves0.00%
50th
Texas ratio2.8%
65th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Priorityone Credit Union of FloridaCredit union Sunrise, FL73 out of 100, Strong$162.2M10.9%0.56%vs
Hello Credit UnionCredit union Panama City, FL80 out of 100, Strong$159.9M14.3%0.32%vs
Pinellas Federal Credit UnionCredit union Largo, FL73 out of 100, Strong$170.4M13.1%0.92%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Tru Fi Credit UnionCredit union Macclenny, FL84 out of 100, Strong$146.4M12.6%0.60%vs
Florida West Coast Credit UnionCredit union Brandon, FL79 out of 100, Strong$144.2M12.0%0.25%vs

Deposit insurance

Is my money safe at First Choice Credit Union?

Yes. First Choice Credit Union is a federally insured credit union (NCUA charter #67725). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.0% of shares and deposits ($10.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

First Choice Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Choice Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67725
RSSD ID
910994
Primary regulator
State + NCUA
Established
1929
Headquarters
1055 S Congress Ave, West Palm Beach, FL 33406
Employees
26

Quick answers

First Choice Credit Union: common questions

Is First Choice Credit Union NCUA insured?

Yes. First Choice Credit Union is a federally insured credit union (NCUA charter #67725). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is First Choice Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does First Choice Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near West Palm Beach

InstitutionScoreAssetsCapitalProblem loansCompare
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Cypress Bank & TrustBank Melbourne, FL79 out of 100, Strong$256.8M11.8%0.00%vs
Natbank, National AssociationBank Hollywood, FL77 out of 100, Strong$296.5M29.8%0.00%vs
Pacific National BankBank Miami, FL77 out of 100, Strong$1.6B10.8%0.01%vs