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Overview / Commentary
300 W Sycamore St
Coldwater, OH 45828

First Choice CU (OH) is headquartered in COLDWATER and is the 168th largest credit union in the state of Ohio. It is also the 3,608th largest credit union in the nation. It was established in 1967 and as of December of 2016, it had grown to 4 employees and 1,929 members at 1 location. First Choice CU (OH) has a B+ health rating.

Field of Membership Restrictions

First Choice Credit Union of Ohio is open to the residents, church members, registered students, and the people that maintain employment within Mercer County, employees from any one of the multiple credit union affiliated select employer groups that are listed on the credit union website, Celina City School and Coldwater Public School alumni, along with the family members of current credit union members.
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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 CU (OH) has a low asset base.

Health Grade Components

NCUA #61466
Year Chartered1967
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD2.83%
Annual Interest Income$386.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$17.3MM$15.9MM
LoansQ4 2016vs Q4 2015$6.7MM$6.0MM
DepositsQ4 2016vs Q4 2015$15.6MM$14.1MM
Equity CapitalQ4 2016vs Q4 2015$1.7MM$1.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$15.00K$15.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$18.00K$34.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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First Choice CU (OH) Savings Account Rates

1.00%--Student Account
0.05%$100-Regular Share Savings
0.05%$100-Sub Share Account
0.05%--Christmas Club

First Choice CU (OH) CD Rates

0.35%$1k-24 Month Certificate
0.30%$1k-18 Month Certificate
0.25%$1k-12 Month Certificate

First Choice CU (OH) Locations
Branch Office300 W SYCAMORE STCOLDWATER, OH 45828