FIRST CHOICE FINANCIAL
Federal • Gloversville, New York • Est. 1972
Quick Facts
- Charter Number
- #21012
- Type
- Federal
- Established
- 1972
- Headquarters
- Gloversville, New York 12078
- Address
- PO Box 232
- Branches
- 3
- ATMs
- 3
- Members
- 13,326
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
13,326 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST CHOICE FINANCIAL |
|---|---|
| Total Assets | $179.4M |
| Members | 13,326 |
| Loans Outstanding | $89.5M |
| Shares & Deposits | $157.7M |
| Net Worth | $23.0M |
| Net Worth Ratio | 12.79% |
| Loan-to-Share Ratio | 56.8% |
| Delinquency Rate | 1.95% |
| Net Income | +$2,624,603 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 3 ATMs
Main Building
Main Office355 Hales Mills Rd Ext
Gloversville, NY 12078-5703
Wal-Mart Branch Office
329 S Kingsboro Ave
Gloversville, NY 12078
Broadalbin Office
3677 State Highway 30
Broadalbin, NY 12025-2601
Who Can Join FIRST CHOICE FINANCIAL?
Membership Type: Other/Unknown
Membership eligibility for FIRST CHOICE FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact FIRST CHOICE FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. FIRST CHOICE FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FIRST CHOICE FINANCIAL has 13,326 members and a potential membership field of 106,803 people.
FIRST CHOICE FINANCIAL's net worth ratio is 12.79% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.8%, FIRST CHOICE FINANCIAL meets this threshold.
FIRST CHOICE FINANCIAL operates 3 branch locations and has access to 3 ATMs. The main office is located at 355 Hales Mills Rd Ext, Gloversville, NY 12078-5703.
FIRST CHOICE FINANCIAL was established in 1972. It is a federal credit union chartered under charter number 21012. The institution has been serving members for 54 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FIRST CHOICE FINANCIAL. All financial data is for informational purposes only.