BlastPoint's Credit Union Scorecard

PEOPLESCHOICE

Charter #68442 · ME

100M-500M

1069 CUs in 100M-500M nationally 32 in ME

PEOPLESCHOICE has 4 strengths but faces 7 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 0.12% above tier average
+ Net Interest Margin 0.35% above tier average
+ Total Loans: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Delinquency rate 0.27% above tier average
- First Mortgage Concentration (%): Bottom 8.0% in tier
- Net Worth Ratio: Bottom 8.1% in tier
- Share Certificate Concentration (%): Bottom 8.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	20,360 -1.8% YoY-0.5% QoQ	+4.9K	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	76%
Assets	$361.5M +2.5% YoY+0.6% QoQ	+$129.6M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	84%
Loans	$274.3M -0.0% YoY+1.5% QoQ	+$127.0M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	Top 9.4% in tier
Deposits	$333.0M +1.7% YoY-0.3% QoQ	+$132.1M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	Top 13.0% 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	0.9% +95.1% YoY+6.3% QoQ	+0.1%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	60%
NIM	4.0% +17.0% YoY+0.7% QoQ	+0.3%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	70%
Efficiency Ratio	76.3% -5.4% YoY-1.5% QoQ	-0.7%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	47%
Delinquency Rate	1.2% -3.9% YoY+32.5% QoQ	+0.3	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	77%
Loan To Share	82.4% -1.7% YoY+1.8% QoQ	+10.2%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	70%
AMR	$29,826 +2.8% YoY+1.0% QoQ	+$5K	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	82%
CD Concentration	39.3% +1.6% YoY+0.2% QoQ	+14.9%	24.4%	25.1%	19.8%	50%
Indirect Auto %	16.7% -19.7% YoY-5.2% QoQ	+2.9%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#212 of 268 • 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): 2.79%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.0K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (3)

Stagnation Risk

risk

#265 of 554 • 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): -1.82%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -0.04%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.16%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#368 of 554 • 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): -1.82%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#459 of 506 • 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): 2.49%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 16.71%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.82%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (6 metrics)

101

Total Loans

balance_sheet

Value: $274.30M

Peer Median: -

#101 of 1069 Top 9.4% in 100M-500M tier

139

Total Deposits

balance_sheet

Value: $332.95M

Peer Median: -

#139 of 1069 Top 12.9% in 100M-500M tier

174

Total Assets

balance_sheet

Value: $361.47M

Peer Median: -

#174 of 1069 Top 16.2% in 100M-500M tier

176

Loan-to-Member Ratio (LMR)

engagement

Value: $13,473

Peer Median: -

#176 of 1069 Top 16.4% in 100M-500M tier

196

Average Member Relationship (AMR)

engagement

Value: $29,826

Peer Median: -

#196 of 1069 Top 18.2% in 100M-500M tier

251

Total Members

engagement

Value: 20,360

Peer Median: -

#251 of 1069 Top 23.4% in 100M-500M tier

Top Weaknesses (4 metrics)

985

First Mortgage Concentration (%)

balance_sheet

Value: 56.34%

Peer Median: -

#985 of 1069 Bottom 8.0% in 100M-500M tier

983

Net Worth Ratio

risk

Value: 8.52%

Peer Median: -

#983 of 1069 Bottom 8.1% in 100M-500M tier

976

Share Certificate Concentration (%)

balance_sheet

Value: 39.30%

Peer Median: -

#976 of 1069 Bottom 8.8% in 100M-500M tier

826

Total Delinquency Rate (60+ days)

risk

Value: 1.16%

Peer Median: -

#826 of 1069 Bottom 22.8% in 100M-500M tier