# FIRST CHOICE AMERICA COMMUNITY
Weirton, WV · NCUA charter 3264 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-choice-america-community-3264

Who the members are: federal charter, community charter, organized 1939. 30,677 members of 100,000 potential (30.7% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 18.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $704.4M |
| Members | 30,677 (-4.7% YoY) |
| Full-time staff | 56 |
| Net worth | $126.4M |
| Net worth ratio | 17.9% (p98 of band) |
| ROA (annualized) | 1.60% (p93 of band) |
| Total delinquency | 0.27% (p19 of band) |
| Net charge-offs (annualized) | 0.02% (p1 of band) |
| Loans / shares | 24% (p0 of band) |
| Cash / assets | 38.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.80% (p13 of band) |
| Operating expense / assets | 1.54% (p2 of band) |
| Vehicles % of loans | 11% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.05% (p2 of band) |
| Vehicle NCO | 0.00% (p1 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 69% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 28% |
| Average share balance | $9,615 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 18% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $24,712 |
| Loans granted, annualized | $12.0M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | members leaving |  |
| 2018-06 | 0 |  | members leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | members leaving |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 |  | members leaving |
| 2021-03 | 2 | net worth falling | delinquency rising |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | net worth falling | margin squeeze |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | members leaving |  |
| 2022-12 | 0 |  | members leaving |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | members leaving |  |
| 2025-03 | 2 | margin squeeze |  |
| 2025-06 | 1 |  | margin squeeze |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-29 [Santa spreads holiday cheer in Chester, W.Va., with community event - WTOV](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVDhhRFNPbDRMdHlUbGZFd1d2SUJ0NGxFLWJnZ0NYQXg2cTBnZ29yY0R2czd2Q3YxYTkxMXhkTXFzYWlpX21zd0R4Q0M0ck51dlMyR2xGdGx5Mng4MzlKaG4taVkzX2R1RWZST0JTSHIxRDVxMmxNX21BVjFjUDI5X0JrUDcyb1Y1VEhIMVF6alZZMndlNGdZ?oc=5) · WTOV
- 2021-02-13 [Winwood elected to W.Va. Credit Union League board - - Weirton Daily Times](https://news.google.com/rss/articles/CBMingFBVV95cUxPZUpoXzRuMHhQM0QtVFBuTmp6cTZybnluQmpJWE0tQUpybVpkSkQ3TDFaUGdPNDNxZy1hNk5tQWprZDdBX3QzODVlLWFubEF2OEctLUxnRm9STVJfRUxneWJlQ25qY2liNFN4T2tjQVBsMEw4bUxfMmFUZGRpblhqQ0hwb1ZJMWloN250dXg1a2ZBZHNfbGVLbzJwLTVEZw?oc=5) · Weirton Daily Times
- 2016-03-06 [West Virginia, Northern - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdjI1U0JycDhRWTNQVlRtUFNhQk1IYkF6MEtleGZ2Z2M1Y3J5VUIzbzRqUDJRY2g5cUROUGFxejdjX0ZEMUV3MENTWG9ma3NXWHZLXzlPbDlDSlp0eE9lT0x5cGdfVkcyNERFbTVvN3FObXZxUjk1TVlpanNHQ2xRVzRB?oc=5) · Department of Justice (.gov)
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2026-07-07 [Weirton mural pays tribute to service and sacrifice of veterans - - The Herald Star](https://news.google.com/rss/articles/CBMivgFBVV95cUxQeXVqOHg1cEk3b0JhZWlvUkcwc2JzZlJxMHlISklQeExxSnh2SWNzVF81V0ZCT0VXWTFsMHdtV0tuUEZtYXNFRHlHcnlyOGJWWXBQajlGN2JteHFabGRqUjZkR2t0QWtsZnJtRXI3WHVWcTFoSXpNRnFqa0k3S2ZtNGlxSm1ybXVyczlST0V3QnREQVRGbnl1cENGRjNoQ0lNUTlmRnVqdWZDWUR0VEVOY1YzbElfYmlZVTRmZlFB?oc=5) · The Herald Star
- 2023-08-10 [Showing support - - Weirton Daily Times](https://news.google.com/rss/articles/CBMiggFBVV95cUxQYWVVZ3JJZ0ZVMzc0UENyTXEyVDNuZk9WZFI4TEhZY3BfdUtUUUtVNDYwWS1JNTVZR1BGeTlzeUY0RGhWR0ZRZDJ3RnBmZmVFX0pQNWRsbzF3bDdETmRrMEhOUjRzb1V4Tlg2QV8tQWJzYjd2Nkh5X19fTWc5RW8tMXZB?oc=5) · Weirton Daily Times
- 2026-03-31 [Weirton Parks to host annual Easter Egg Hunt - - Weirton Daily Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxPeXpkVjNWOWlxVGp6eXJmeXladmZKYmdJbndIQUhOcjJIWXd6T2ZIemtTRF96dG11c3FfREI5VmRuZmRUZGZHVDhDZGktVjNDZ3hXOHlqTDJZS3VpdFc2bjNMUXJRYXhvZWRTaEE1RkRrU2JZeUphNW5Jb2toMDluT25wLXZEZXNHUUg3UlV4cDg3bkJRZmp6Q3gtdE9ycWZ1SDhuV1R3?oc=5) · Weirton Daily Times
- 2019-12-01 [Weirton celebrates ‘The Magic of Christmas’ with annual parade - - Weirton Daily Times](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPa2xtQkpMNnIzcUNJNUhGWllORzlHckV4WHE2TUYzVlZiQ2tuejloX0c3YmJwclNEUTFENHQ4T3h6eXQ1c1pwUGtpTmNBRlBaOHEyR2RNVmxYNmo3UVVrTlNoUklZdWlDTVhyYXJjUFRpdzh2dXBWclFZY0VDQlBZbzZXMXZNa3lGZlVzaWdjdTcyRW00Vzd2dkdXYnh5NF9WU1l6a1hFek5xWEZsdjNhcUkzTmstR1RrTlZN?oc=5) · Weirton Daily Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3264 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/0.json (key "3264", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=3264
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide