PEOPLES CHOICE

Charter #60039 | KS

<100M (2596 CUs) Micro
45 <100M in KS

PEOPLES CHOICE has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.16% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 8.5% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.69% below tier average
  • - Efficiency ratio 12.82% above tier (higher cost structure)
  • - Member decline: -2.7% YoY
  • - Deposit Growth Rate: Bottom 8.1% in tier
  • - Asset Growth Rate: Bottom 9.4% in tier
  • - Net Charge-Off Rate: Bottom 9.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 608
-2.7% YoY0% QoQ
 -2.0K 2,625
-2.2% YoY
 17,915
-2.9% YoY
 33,089
+6.1% YoY
 Bottom 16.5% in tier
Assets $6.7M
-7.0% YoY-2.0% QoQ
 $-23.2M $29.9M
+1.1% YoY
 $244.1M
-6.9% YoY
 $547.7M
+7.8% YoY
 Bottom 24.5% in tier
Loans $3.0M
+1.9% YoY+3.7% QoQ
 $-12.7M $15.8M
-2.4% YoY
 $175.9M
-4.8% YoY
 $388.7M
+8.6% YoY
 Bottom 24.0% in tier
Deposits $4.9M
-9.4% YoY-2.6% QoQ
 $-20.6M $25.5M
+0.4% YoY
 $209.0M
-2.4% YoY
 $464.6M
+9.3% YoY
 Bottom 23.0% in tier
ROA -0.0%
-117.5% YoY-85.7% QoQ
 -0.7% 0.7%
-731.4% YoY
 0.7%
+53.0% YoY
 0.7%
+273.4% YoY
 Bottom 15.8% in tier
NIM 4.1%
+5.1% YoY+1.9% QoQ
 +0.2% 3.9%
+3.8% YoY
 4.0%
+8.4% YoY
 3.7%
+5.0% YoY
 58th in tier
Efficiency Ratio 94.2%
+11.5% YoY+5.3% QoQ
 +12.8% 81.4%
-2.4% YoY
 77.0%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 17.3% in tier
Delinquency Rate 0.7%
-78.8% YoY+155.6% QoQ
 -0.8 1.5%
-2.0% YoY
 1.2%
-23.8% YoY
 1.2%
-0.9% YoY
 50th in tier
Loan To Share 61.8%
+12.4% YoY+6.5% QoQ
 +0.6% 61.2%
-3.0% YoY
 71.9%
-2.0% YoY
 68.0%
-1.7% YoY
 51st in tier
AMR $13,005
-2.7% YoY-0.3% QoQ
 $-2K $14,627
-2.7% YoY
 $16,347
+1.3% YoY
 $19,418
+1.3% YoY
 46th in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 24.2%
-2.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 12.4%
-5.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
222
Net Worth Ratio
risk
Value: 26.79%
Peer Avg: 16.43%
#222 of 2596 Top 8.5% in <100M tier

Top Weaknesses (10 metrics)

2387
Deposit Growth Rate
growth
Value: -9.36%
Peer Avg: 16.80%
#2387 of 2596 Bottom 8.1% in <100M tier
2352
Asset Growth Rate
growth
Value: -7.02%
Peer Avg: 1.82%
#2352 of 2596 Bottom 9.4% in <100M tier
2352
Net Charge-Off Rate
risk
Value: 1.41%
Peer Avg: 0.57%
#2352 of 2596 Bottom 9.4% in <100M tier
2187
Return on Assets (ROA)
profitability
Value: -0.01%
Peer Avg: 0.68%
#2187 of 2596 Bottom 15.8% in <100M tier
2178
Members Per Employee (MPE)
engagement
Value: 202.667
Peer Avg: 365.701
#2178 of 2596 Bottom 16.1% in <100M tier
2167
Total Members
engagement
Value: 608
Peer Avg: 2,626
#2167 of 2596 Bottom 16.6% in <100M tier
2149
Efficiency Ratio
profitability
Value: 94.21%
Peer Avg: 81.39%
#2149 of 2596 Bottom 17.3% in <100M tier
1998
Total Deposits
balance_sheet
Value: $4.89M
Peer Avg: $25.45M
#1998 of 2596 Bottom 23.1% in <100M tier
1973
Total Loans
balance_sheet
Value: $3.02M
Peer Avg: $15.77M
#1973 of 2596 Bottom 24.0% in <100M tier
1959
Total Assets
balance_sheet
Value: $6.69M
Peer Avg: $29.86M
#1959 of 2596 Bottom 24.6% in <100M tier