BlastPoint's Credit Union Scorecard

PEOPLESCHOICE

Charter #68442 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 in ME

PEOPLESCHOICE has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.08% above tier average
+ Net Interest Margin 0.30% above tier average
+ Total Loans: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Delinquency rate 0.34% above tier average
- First Mortgage Concentration (%): Bottom 7.6% in tier
- Share Certificate Concentration (%): Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	20,377 -1.4% YoY+0.1% QoQ	+5.2K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	78%
Assets	$366.9M +2.8% YoY+1.5% QoQ	+$135.2M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	84%
Loans	$276.0M +1.6% YoY+0.6% QoQ	+$131.9M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	Top 8.4% in tier
Deposits	$336.1M +0.3% YoY+1.0% QoQ	+$135.0M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	Top 12.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +41.6% YoY-8.8% QoQ	+0.1%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	58%
NIM	3.9% +3.6% YoY-0.6% QoQ	+0.3%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	75.9% -5.6% YoY-0.6% QoQ	-2.2%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	1.1% +18.1% YoY-3.8% QoQ	+0.3	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	80%
Loan To Share	82.1% +1.3% YoY-0.3% QoQ	+11.7%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	74%
AMR	$30,042 +2.3% YoY+0.7% QoQ	+$5K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	81%
CD Concentration	39.3% +1.3% YoY-0.1% QoQ	+15.0%	24.3%	25.4%	19.8%	50%
Indirect Auto %	16.1% -18.8% YoY-3.4% QoQ	+2.3%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#221 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.30%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.1K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (5)

Credit Quality Pressure

risk

#374 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Stagnation Risk

risk

#354 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.58%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.12%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#440 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#382 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.58%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#455 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.80%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.14%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Total Loans

balance_sheet

Value: $276.04M

Peer Median: $121.41M

#90 of 1070 Top 8.3% in 100M-500M tier

131

Total Deposits

balance_sheet

Value: $336.13M

Peer Median: $171.29M

#131 of 1070 Top 12.1% in 100M-500M tier

168

Total Assets

balance_sheet

Value: $366.90M

Peer Median: $196.57M

#168 of 1070 Top 15.6% in 100M-500M tier

174

Loan-to-Member Ratio (LMR)

engagement

Value: $13,547

Peer Median: $9,356

#174 of 1070 Top 16.2% in 100M-500M tier

175

Fee Income Per Member

profitability

Value: $226.90

Peer Median: $154.95

#175 of 1070 Top 16.3% in 100M-500M tier

200

Average Member Relationship (AMR)

engagement

Value: $30,042

Peer Median: $22,931

#200 of 1070 Top 18.6% in 100M-500M tier

239

Total Members

engagement

Value: 20,377

Peer Median: 13,200

#239 of 1070 Top 22.2% in 100M-500M tier

Top Weaknesses (5 metrics)

990

First Mortgage Concentration (%)

balance_sheet

Value: 57.26%

Peer Median: 29.47%

#990 of 1070 Bottom 7.6% in 100M-500M tier

978

Share Certificate Concentration (%)

balance_sheet

Value: 39.26%

Peer Median: 23.10%

#978 of 1070 Bottom 8.7% in 100M-500M tier

975

Net Worth Ratio

risk

Value: 8.60%

Peer Median: 11.45%

#975 of 1070 Bottom 9.0% in 100M-500M tier

860

Total Delinquency Rate (60+ days)

risk

Value: 1.12%

Peer Median: 0.61%

#860 of 1070 Bottom 19.7% in 100M-500M tier

837

Deposit Growth Rate

growth

Value: 0.31%

Peer Median: 3.30%

#837 of 1070 Bottom 21.9% in 100M-500M tier