BlastPoint's Credit Union Scorecard
PEOPLESCHOICE
Charter #68442 · ME
PEOPLESCHOICE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Net Interest Margin 0.27% above tier average
- + Total Loans: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.09% below tier average
- - Delinquency rate 0.13% above tier average
- - First Mortgage Concentration (%): Bottom 7.2% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 33 that size in Maine.
- Shares and deposits +1.3% year over year ($336M in shares and deposits).
- Membership: 20,378 members, -0.5% vs a year ago.
- Delinquency rate 1.01%.
- Return on assets 0.78%.
- Efficiency ratio 76.67% vs a 76.73% peer average.
- Loan-to-share ratio 82.12% vs a 71.54% 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 (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,378
-0.5% YoY+0.0% QoQ
|
+5.2K |
15,168
-2.6% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$366.9M
+3.1% YoY+0.0% QoQ
|
+$134.9M |
$232.0M
+0.7% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
85% |
| Loans |
$275.7M
+0.7% YoY-0.1% QoQ
|
+$129.4M |
$146.3M
+0.2% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
Top 9.7% in tier |
| Deposits |
$335.7M
+1.3% YoY-0.1% QoQ
|
+$135.0M |
$200.7M
+0.2% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
Top 12.8% in tier |
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| ROA |
0.8%
+7.3% YoY-3.5% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
4.0%
+2.0% YoY+0.8% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
76.7%
-2.0% YoY+1.0% QoQ
|
-0.1% |
76.7%
-0.8% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
1.0%
+6.3% YoY-9.2% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
82.1%
-0.6% YoY-0.0% QoQ
|
+10.6% |
71.5%
-0.3% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$30,005
+1.6% YoY-0.1% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
39.2%
-0.1% YoY-0.3% QoQ
|
+14.6% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
15.5%
-17.1% YoY-4.2% QoQ
|
+1.8% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)