PEOPLESCHOICE

Charter #68442 | ME

100M-500M (1077 CUs) Micro
33 100M-500M in ME

PEOPLESCHOICE has 4 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 24.6% in tier
  • + Wallet Share Momentum: Top 28.8% 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
 Top 23.5% in tier
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
 Top 16.4% in tier
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
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
 55th in tier
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
 69th in tier
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
 51st in tier
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
 64th in tier
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
 66th in tier
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
 Top 18.2% in tier
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
 50th in tier
Indirect Auto % 17.6%
-23.4% YoY-5.4% QoQ
 +3.7% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#678 of 1006 • Top 24.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#795 of 1006 • Top 28.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.47%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Stagnation Risk

risk
#190 of 550 • Bottom 11.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.83%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $29.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 39.24%
(Tier: 24.41%, National: 19.60%)
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: 13.96%, 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 has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $359.14M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

112
Total Loans
balance_sheet
Value: $270.36M
Peer Avg: $147.80M
#112 of 1077 Top 10.3% in 100M-500M tier
133
Total Deposits
balance_sheet
Value: $333.99M
Peer Avg: $200.29M
#133 of 1077 Top 12.3% in 100M-500M tier
177
Total Assets
balance_sheet
Value: $359.14M
Peer Avg: $231.30M
#177 of 1077 Top 16.3% in 100M-500M tier
181
Loan-to-Member Ratio (LMR)
engagement
Value: $13,215
Peer Avg: $10,245
#181 of 1077 Top 16.7% in 100M-500M tier
196
Average Member Relationship (AMR)
engagement
Value: $29,541
Peer Avg: $24,363
#196 of 1077 Top 18.1% in 100M-500M tier
253
Total Members
engagement
Value: 20,458
Peer Avg: 15,628
#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (4 metrics)

1011
Net Worth Ratio
risk
Value: 8.31%
Peer Avg: 12.15%
#1011 of 1077 Bottom 6.2% in 100M-500M tier
983
Share Certificate Concentration (%)
balance_sheet
Value: 39.24%
Peer Avg: 23.61%
#983 of 1077 Bottom 8.8% in 100M-500M tier
979
First Mortgage Concentration (%)
balance_sheet
Value: 55.04%
Peer Avg: 30.43%
#979 of 1077 Bottom 9.2% in 100M-500M tier
945
Asset Growth Rate
growth
Value: -1.43%
Peer Avg: 4.70%
#945 of 1077 Bottom 12.3% in 100M-500M tier