BlastPoint's Credit Union Scorecard
PEOPLES CHOICE
Charter #60039 · KS
PEOPLES CHOICE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.70% above tier average
- + Net Worth Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.91% below tier average
- - Efficiency ratio 3.41% above tier (higher cost structure)
- - Member decline: -4.1% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits -1.6% year over year ($4.9M in shares and deposits).
- Membership: 583 members, -4.1% vs a year ago.
- Delinquency rate 1.59%.
- Return on assets 0.58%.
- Efficiency ratio 92.17% vs a 88.77% peer average.
- Loan-to-share ratio 55.86% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
583
-4.1% YoY-1.5% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$6.7M
-1.4% YoY+1.7% QoQ
|
$-23.5M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$2.8M
-5.3% YoY-2.1% QoQ
|
$-12.7M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$4.9M
-1.6% YoY+1.9% QoQ
|
$-20.9M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
0.6%
-858.9% YoY-181.7% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
4.6%
+14.3% YoY+4.1% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
92.2%
+3.0% YoY-4.0% QoQ
|
+3.4% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
1.6%
+512.2% YoY+475.1% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
55.9%
-3.8% YoY-3.9% QoQ
|
-3.0% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$13,206
+1.2% YoY+2.0% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 7.7% | 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)