State credit union · Coffeyville, Kansas · NCUA charter #60039
Peoples Choice
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $6.6M
- Total assets
- 602
- Members
- 26.7%
- Net-worth ratio
Peoples Choice - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60039. See our deposit-insurance coverage note.
Peoples Choice - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)79
- Earnings (ROA)37
- Member growth14
- Liquidity (loan-to-share)84
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 26.69% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 26.69% | 30% |
| Delinquency Rate | 1.03% | 25% |
| Return on Assets | 0.02% | 15% |
| Member Growth | -3.83% | 15% |
| Loan-to-Share Ratio | 59.42% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.6M | 602 |
| 2024Q4 | $7.1M | 626 |
| 2023Q4 | $7.7M | 644 |
Credit Union Details
- Charter Number
- 60039
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Kansas
- City
- Coffeyville
- Data Quarter
- 2025Q4
What This Data Says About Peoples Choice
The five-factor composite scores Peoples Choice at 70/100 (Very Good), reflecting a net worth ratio of 26.69% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Coffeyville, Kansas, reports 602 members, $6.6M in total assets, and $2.9M in outstanding loans as of Q4 2025 under charter #60039 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 1.03% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 59.42% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.02% on net income of $2K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.83%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Kansas
A look at other Kansas credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Peoples Choice financially healthy?
Yes/no aside, the number is 70/100 (Very Good) - Peoples Choice's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 26.69% net worth ratio and 1.03% delinquency rate are the key drivers.
How does Peoples Choice compare to other credit unions?
70/100 is Peoples Choice's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Peoples Choice?
Membership eligibility for Peoples Choice depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Peoples Choice directly for current membership requirements and application steps.
Is my money safe at Peoples Choice?
Federal credit unions like Peoples Choice are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Peoples Choice's net worth ratio of 26.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Peoples Choice offer compared to banks?
Credit unions like Peoples Choice are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Peoples Choice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.