BlastPoint's Credit Union Scorecard

PEOPLESCHOICE

Charter #68442 · ME

1077 CUs in 100M-500M nationally 33 in ME

PEOPLESCHOICE has 3 strengths but faces 9 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 81.6% in tier
+ ROA 0.04% above tier average
+ Net Interest Margin 0.34% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 11.5% in tier
- Membership Headwinds: Bottom 24.4% in tier
- Indirect Auto Dependency: Bottom 31.1% in tier
- Flatlined Growth: Bottom 35.9% in tier
- Efficiency ratio 0.23% above tier (higher cost structure)
- Delinquency rate 0.02% above tier average
- Net Worth Ratio: Bottom 6.2% in tier
- Share Certificate Concentration (%): Bottom 8.8% in tier
- First Mortgage Concentration (%): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	20,458 -1.4% YoY-0.1% QoQ	+4.8K	15,628 -3.4% YoY	15,972 +1.7% YoY	33,089 +6.1% YoY	76%
Assets	$359.1M -1.4% YoY+0.9% QoQ	+$127.8M	$231.3M -0.0% YoY	$270.6M +5.7% YoY	$547.7M +7.8% YoY	84%
Loans	$270.4M +0.4% YoY-1.2% QoQ	+$122.6M	$147.8M -1.4% YoY	$188.4M +4.5% YoY	$388.7M +8.6% YoY	Top 10.4% in tier
Deposits	$334.0M +1.5% YoY+0.8% QoQ	+$133.7M	$200.3M -0.0% YoY	$236.4M +5.3% YoY	$464.6M +9.3% YoY	Top 12.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +90.1% YoY+14.6% QoQ	+0.0%	0.8% +15.5% YoY	0.9% +6.3% YoY	0.7% +273.4% YoY	55%
NIM	3.9% +20.2% YoY+1.2% QoQ	+0.3%	3.6% +6.9% YoY	3.6% +6.2% YoY	3.7% +5.0% YoY	69%
Efficiency Ratio	77.5% -3.0% YoY-0.9% QoQ	+0.2%	77.3% -3.0% YoY	76.0% -2.1% YoY	79.1% -3.3% YoY	51%
Delinquency Rate	0.9% -21.3% YoY-8.3% QoQ	+0.0	0.9% +7.6% YoY	0.8% +28.5% YoY	1.2% -0.9% YoY	64%
Loan To Share	80.9% -1.0% YoY-2.0% QoQ	+8.2%	72.7% -1.5% YoY	75.4% -1.4% YoY	68.0% -1.7% YoY	66%
AMR	$29,541 +2.5% YoY+0.0% QoQ	+$5K	$24,363 +2.9% YoY	$25,292 +3.8% YoY	$19,418 +1.3% YoY	82%
CD Concentration	39.2% +1.6% YoY+0.1% QoQ	+14.8%	24.4% +4.2% YoY	25.0% +4.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.6% -23.4% YoY-5.4% QoQ	+3.7%	14.0% -5.7% YoY	15.8% +6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#210 of 257 • Top 81.6% 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): 2.47%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.9K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Concerns (4)

Stagnation Risk

risk

#190 of 550 • Bottom 11.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.42%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.87%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#403 of 550 • Bottom 24.4% in tier

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

Why This Signature

Member Growth (YoY): -1.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#501 of 525 • Bottom 31.1% in tier

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

Why This Signature

Asset Growth (YoY): -1.43%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.64%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Flatlined Growth

risk

#38 of 58 • Bottom 35.9% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -1.43%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.83%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (6 metrics)

112

Total Loans

balance_sheet

Value: $270.36M

Peer Avg: -

#112 of 1077 Top 10.3% in 100M-500M tier

133

Total Deposits

balance_sheet

Value: $333.99M

Peer Avg: -

#133 of 1077 Top 12.3% in 100M-500M tier

177

Total Assets

balance_sheet

Value: $359.14M

Peer Avg: -

#177 of 1077 Top 16.3% in 100M-500M tier

181

Loan-to-Member Ratio (LMR)

engagement

Value: $13,215

Peer Avg: -

#181 of 1077 Top 16.7% in 100M-500M tier

196

Average Member Relationship (AMR)

engagement

Value: $29,541

Peer Avg: -

#196 of 1077 Top 18.1% in 100M-500M tier

253

Total Members

engagement

Value: 20,458

Peer Avg: -

#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (4 metrics)

1011

Net Worth Ratio

risk

Value: 8.31%

Peer Avg: -

#1011 of 1077 Bottom 6.2% in 100M-500M tier

983

Share Certificate Concentration (%)

balance_sheet

Value: 39.24%

Peer Avg: -

#983 of 1077 Bottom 8.8% in 100M-500M tier

979

First Mortgage Concentration (%)

balance_sheet

Value: 55.04%

Peer Avg: -

#979 of 1077 Bottom 9.2% in 100M-500M tier

945

Asset Growth Rate

growth

Value: -1.43%

Peer Avg: -

#945 of 1077 Bottom 12.3% in 100M-500M tier