BlastPoint's Credit Union Scorecard
PEOPLES CHOICE
Charter #60039 · KS
PEOPLES CHOICE has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.20% 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 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.96% below tier average
- - Efficiency ratio 14.93% above tier (higher cost structure)
- - Member decline: -3.8% YoY
- - Asset Growth Rate: Bottom 9.0% in tier
- - Deposit Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
602
-3.8% YoY-1.0% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$6.6M
-6.9% YoY-0.9% QoQ
|
$-23.5M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$2.9M
-5.3% YoY-4.6% QoQ
|
$-12.9M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$4.9M
-8.7% YoY-0.7% QoQ
|
$-20.8M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
-0.3%
-1701.4% YoY+2991.0% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.5% in tier |
| NIM |
4.2%
+3.3% YoY+1.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
97.5%
+11.1% YoY+3.5% QoQ
|
+14.9% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Top 14.1% in tier |
| Delinquency Rate |
1.0%
-44.4% YoY+54.3% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
59.4%
+3.8% YoY-3.9% QoQ
|
-1.2% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$12,845
-3.8% YoY-1.2% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)