Charter 21012 · Gloversville, NY
First Choice Financial Federal Credit Union
First Choice Financial Federal Credit Union is a federally chartered credit union in Gloversville, New York, with $184 million in assets and 13,233 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.05%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $184 million
- -2.7% in a year
- Members
- 13,233
- +0.0% in a year
- Net worth ratio
- 13.05%
- Peer median 11.65%
- Loans 60+ days late
- 1.70%
- Peer median 0.70%
- Loans outstanding
- $90.7 million
- +2.8% in a year
- Shares and deposits
- $162 million
- +1.5% in a year
- Branches
- 3
- 36 employees
- Opened
- 1972
- Federal charter
How First Choice Financial Federal Credit Union compares
NCUA groups credit unions by size; First Choice Financial Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.05% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.70%, is higher than the group median of 0.70%. Loans grew 2.8% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 61 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $184 million | 13,233 | $90.7 million | 13.05% | 1.70% |
| Q1 2026 | $181 million | 13,355 | $89.4 million | 12.87% | 0.85% |
| Q4 2025 | $179 million | 13,326 | $89.5 million | 12.79% | 1.95% |
| Q3 2025 | $177 million | 13,279 | $88.4 million | 12.68% | 1.54% |
| Q2 2025 | $189 million | 13,233 | $88.2 million | 11.57% | 1.34% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 106,803 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for First Choice Financial Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Building (main office)
355 Hales Mills Rd Ext, Gloversville, NY 12078 - Wal-Mart Branch Office
329 S Kingsboro Ave, Gloversville, NY 12078 - Broadalbin Office
3677 State Highway 30, Broadalbin, NY 12025
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology