2. First Choice Credit Union (IL)

First Choice Credit Union (IL)


Overview / Commentary
www.firstchoicecu.com
815-434-5860
311 E Joliet St
Ottawa, IL 61350-2211

First Choice Credit Union (IL) is headquartered in Ottawa and is the 136th largest credit union in the state of Illinois. It is also the 3,899th largest credit union in the nation. It was established in 1953 and as of December of 2018, it had grown to 7 employees and 1,606 members at 2 locations. First Choice Credit Union (IL) has a B health rating.

Field of Membership Restrictions

Membership in First Choice Credit Union is open to anyone who resides or holds employment in these Illinois Towns, Manilius, Rutland, Ottawa, South Ottawa, Utica, LaSalle, and Peru, as well as their direct family members.
See current membership details

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Health
B

Data as of Q4 2018

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. First Choice Credit Union (IL) has a low asset base.

Health Grade Components

Overall
NCUA #61471
Year Chartered1953
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD-0.78%
Return on Equity - YTD-7.55%
Annual Interest Income$303.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$11.8MM$12.0MM
LoansQ4 2018vs Q4 2017$4.9MM$3.6MM
DepositsQ4 2018vs Q4 2017$10.5MM$10.6MM
Equity CapitalQ4 2018vs Q4 2017$1.2MM$1.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$57.00K$35.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$9.00K$13.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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First Choice Credit Union (IL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$50-Share Account
0.10%--Christmas Club Account
0.10%--Youth Savers
0.10%--Vacation Club Account

First Choice Credit Union (IL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$1k-60 Month Share Certificates
0.45%$1k-36 Month Share Certificates
0.40%$1k-24 Month Share Certificates
0.30%$1k-18 Month Share Certificates
0.18%$1k-6 Month Share Certificates
0.15%$1k-12 Month Share Certificates
0.14%$1k-91 Day Share Certificates
Locations


First Choice Credit Union (IL) Locations
Branch Office311 E Joliet StOttawa, IL 61350-2211
Branch Office302 N Park StStreator, IL 61364-2229

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