BlastPoint's Credit Union Scorecard
PEOPLES CHOICE
Charter #60039 · 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
|
16% |
| 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
|
24% |
| 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
|
24% |
| 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
|
23% |
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| 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
|
16% |
| 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
|
58% |
| 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
|
83% |
| 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
|
50% |
| 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
|
51% |
| 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
|
46% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)