Peopleschoice

Biddeford, ME · 2 · Charter #68442 · www.peopleschoicecreditunion
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$361.5M
32th percentile
Members
20,360
26th percentile
Total loans
$274.3M
45th percentile
Total shares
$333.0M
39th percentile

Profitability

Return on assets
1.21%
66th percentile
Net interest margin
3.94%
79th percentile
Efficiency ratio
58.50%
54th percentile
Non-interest income ratio
17.70%
41th percentile

Capital & Risk

Net worth ratio
8.52%
10th percentile
Delinquency rate
1.16%
21th percentile
Net charge-off rate
0.44%
47th percentile
Loan-to-share
82.39%
57th percentile

Growth

Member growth YoY
-1.82%
24th percentile
Asset growth YoY
2.49%
29th percentile
Loan growth YoY
-0.04%
26th percentile
Share growth YoY
1.73%
25th percentile

Operations

Members / branch
5,090
59th percentile
Assets / member
$17,754
62th percentile
Field of membership penetration
1.99%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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