CU Explorer
Credit unions · New York · Q2 2026

First Choice Financial FCU

Credit union in Gloversville, NY · NCUA charter #21012 · Federal charter

Legal name: First Choice Financial

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$184M
Total loans & leases$90.7M
Total shares & deposits$162M
Members13,230
Net worth$24.0M
Net worth / assets13.05%
Loans / assets49.36%
Return on assets (annualized)1.11%
Loan growth (YoY)2.77%
Member growth (YoY)0.00%
Delinquency, all loans (60+ days)1.70%
CharterFederal charter
Asset band$50M–$250M
NCUA peer group$100M–$500M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech P2P payments, fintech for communication / chat, other fintech, online loan application, online loan payments, bill payment, account aggregation, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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