TellerScore

First Choice Financial Federal Credit Union is a federal credit union headquartered in Gloversville, New York, in business for about 54 years. At the end of Q2 2026 it reported $183.7M in total assets and $161.7M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, First Choice Financial Federal Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 124th. Its strongest component is funding & liquidity (100/100; 56% loans-to-deposits, 5% uninsured), and its lowest is loan quality (43/100; 1.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.05%
Loan quality43/100
Loans 60+ days delinquent ÷ total loans: 1.70%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity100/100
Loans ÷ shares: 56.1% · 4.9% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.72%

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

From Q2 2025 to Q2 2026, the score rose 2 points (70 → 72), mostly because the capital cushion component improved by 15 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202472
Q4 202475
Q1 202573
Q2 202570
Q3 202573
Q4 202569
Q1 202675
Q2 202672
Net worth ratio
7.00%10.03%13.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.49%
Q3 202411.24%
Q4 202411.41%
Q1 202511.27%
Q2 202511.57%
Q3 202512.68%
Q4 202512.79%
Q1 202612.87%
Q2 202613.05%
Delinquent loans (60+ days)
0.61%1.28%1.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.79%
Q3 20241.13%
Q4 20240.72%
Q1 20250.61%
Q2 20251.34%
Q3 20251.54%
Q4 20251.95%
Q1 20260.85%
Q2 20261.70%
Return on assets
0.68%0.95%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.23%
Q4 20241.11%
Q1 20250.68%
Q2 20251.06%
Q3 20251.18%
Q4 20251.18%
Q1 20260.68%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$183.7M13.05%1.70%1.11%56.1%
Q1 202675$180.8M12.87%0.85%0.68%56.1%
Q4 202569$179.4M12.79%1.95%1.18%56.8%
Q3 202573$176.6M12.68%1.54%1.18%56.8%
Q2 202570$188.7M11.57%1.34%1.06%55.3%
Q1 202573$187.7M11.27%0.61%0.68%55.4%
Q4 202475$182.5M11.41%0.72%1.11%56.0%
Q3 202472$182.3M11.24%1.13%1.23%56.1%
Q2 202475$172.0M11.49%0.79%1.10%54.4%

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 ratio13.05%
70th
Problem loans1.70%
10th
Net charge-offs0.57%
29th
Return on assets1.11%
72nd
Loans to deposits56.1%
83rd
Uninsured deposits4.9%
61st
Loan-loss reserves0.00%
50th
Texas ratio6.7%
27th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Ulster Federal Credit UnionCredit union Kingston, NY67 out of 100, Moderate$179.0M10.3%0.81%vs
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Tonawanda Valley Federal Credit UnionCredit union Batavia, NY82 out of 100, Strong$170.7M11.1%0.19%vs
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Deposit insurance

Is my money safe at First Choice Financial Federal Credit Union?

Yes. First Choice Financial Federal Credit Union is a federally insured credit union (NCUA charter #21012). 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 4.9% of shares and deposits ($7.9M) 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 13.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

First Choice Financial Federal Credit Union lists 3 offices in 2 cities. Most locations:

  • Gloversville, NY (2)
  • Broadalbin, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Choice Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
21012
RSSD ID
609588
Primary regulator
NCUA
Established
1972
Headquarters
355 Hales Mills Rd Ext, Gloversville, NY 12078
Employees
36

Quick answers

First Choice Financial Federal Credit Union: common questions

Is First Choice Financial Federal Credit Union NCUA insured?

Yes. First Choice Financial Federal Credit Union is a federally insured credit union (NCUA charter #21012). 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 Financial Federal Credit Union's TellerScore?

72 out of 100 (Strong), 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 Financial Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Gloversville

InstitutionScoreAssetsCapitalProblem loansCompare
M. C. T. Federal Credit UnionCredit union Amsterdam, NY94 out of 100, Very strong$73.3M14.4%0.41%vs
Stratton Air National Guard Federal Credit UnionCredit union Scotia, NY94 out of 100, Very strong$920K39.3%0.00%vs
Upstate Telco Federal Credit UnionCredit union Gloversville, NY84 out of 100, Strong$4.3M16.1%0.28%vs
G.P.O. Federal Credit UnionCredit union New Hartford, NY79 out of 100, Strong$629.8M11.7%0.39%vs
NBT Bank, National AssociationBank Norwich, NY64 out of 100, Moderate$16.1B9.5%0.55%vs
KeyBank National AssociationBank Cleveland, OH63 out of 100, Moderate$188.6B9.9%0.86%vs