First Choice America Community Credit Union

First Choice America Community Credit Union is headquartered in Weirton and is the largest credit union in the state of West Virginia. It is also the 536^th largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 81 employees and 39,543 members. First Choice America Community Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics FIRST CHOICE AMERICA COMMUNITY NCUA # 3264 BankRate Report View Year Chartered 1939 Employees 81 Primary Regulator Assets and Liabilities Assets $359.22 million Loans $132.37 million Deposits $302.25 million Equity Capital $55.33 million Loan Loss Allowance $801,000 Unbacked Noncurrent Loans $600,000 Real Estate Owned $84,000 Historic Data - December 2010 Assets $322.91 million Equity Capital $54.27 million Loan Loss Allowance $820,000 Unbacked Noncurrent Loans $427,000 Real Estate Owned $14,000 Profit Margin - Quarterly Net Interest Margin 4.37% Return on Assets 0.29% Return on Equity 1.91% Interest Income $10.81 million Non-Interest Income $2.77 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 First Choice America Community Credit Union had $684,000 in non-current loans and owned real-estate with $56.13 million in equity and loan loss allowances on hand to cover it. This gives First Choice America Community Credit Union a Texas Ratio of 1.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Choice America Community Credit Union held steady from 0.80% as of December 31, 2010 to 1.22% as of December 31, 2011, resulting in a negative change of 52.23%. This indicates that the balance sheet and financial strength for First Choice America Community Credit Union has held steady in recent periods. Deposit Growth In the past year, First Choice America Community Credit Union has increased its total deposits by $36.38 million, resulting in 13.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Choice America Community Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Choice America Community Credit Union has $359.22 million in assets with $56.13 million in equity, resulting in a capitalization level of 15.63%, which is excellent.

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