BlastPoint's Credit Union Scorecard
PEOPLES CHOICE
Charter #60039 · KS
PEOPLES CHOICE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Net Worth Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Efficiency ratio 5.34% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Net Charge-Off Rate: Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
592
-3.9% YoY-1.7% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$6.6M
-4.7% YoY-0.2% QoQ
|
$-23.6M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$2.8M
-7.4% YoY-2.3% QoQ
|
$-12.5M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$4.8M
-5.5% YoY-0.1% QoQ
|
$-20.9M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
-0.7%
-278.0% YoY+110.2% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.6% in tier |
| NIM |
4.4%
+10.2% YoY+6.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
96.0%
+9.5% YoY-1.6% QoQ
|
+5.3% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate |
0.3%
-84.0% YoY-73.0% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
33% |
| Loan To Share |
58.1%
-2.0% YoY-2.1% QoQ
|
-0.4% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$12,944
-2.4% YoY+0.8% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 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)