State credit union · Biddeford, Maine · NCUA charter #68442
PEOPLESCHOICE
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $361.5M
- Total assets
- 20,360
- Members
- 8.6%
- Net-worth ratio
PEOPLESCHOICE scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $361.5M; members 20,360; net-worth ratio 8.60%; health rank #2,793 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,793 of 4,374 health · 2025Q4PEOPLESCHOICE · health 80/100 · $361.5M · 2025Q4
- CAMELS 80/100
- HEALTH 8.6%
- NW 1.16%
- DELQ 0.45%
- ROA $361.5M
- ASSETS 20,360
- MEM #2,793/4,374
- RANK Marshall Community
- PHOTO 68442
Call Report peers
PEOPLESCHOICE in the assets neighbourhood
PEOPLESCHOICE's $361.5M assets sit next to Marshall Community ($361.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PEOPLESCHOICE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
PEOPLESCHOICE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68442, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
PEOPLESCHOICE: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 82.39% vs peer 72.20% (+10.19 pp).
- Net Worth Ratio trails the peer set - 8.60% here, 12.11% peer average (-3.51 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
PEOPLESCHOICE: in-state Call Report ranks
- In Maine, health place is #41 of 48 on the same NCUA-ratio sort used nationally.
- Assets rank #13 of 48 inside Maine ($361.5M reported).
- Maine membership ordinal: #13 of 48.
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How PEOPLESCHOICE's 5300 filing moved
PEOPLESCHOICE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $361.5M (2025Q4) to $366.9M (2026Q1).
- Net-worth ratio shifted +0.08 pp (8.52% → 8.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 18.8 pts
- Return on Assets 14.2 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for PEOPLESCHOICE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.60% | -3.51 pp |
| Delinquency Rate | 1.16% | +0.27 pp |
| Return on Assets | 0.45% | -0.17 pp |
| Member Growth | -1.82% | - |
| Loan-to-Share Ratio | 82.39% | +10.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - PEOPLESCHOICE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $366.9M | - |
| 2025Q4 | $361.5M | 20,360 |
| 2024Q4 | $352.7M | 20,737 |
| 2023Q4 | $356.3M | 20,637 |
Credit Union Details
- Charter Number
- 68442
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Biddeford
- Data Quarter
- 2025Q4
Branch Locations (4)
PEOPLESCHOICE operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Saco Office (Main Office) | Saco, ME |
| Elm Street Office | Biddeford, ME |
| Sanford Office | Sanford, ME |
| Wells Office | Wells, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
Other federally-insured credit unions in Maine, closest first by peer group and asset size.
Cross-state Call Report peers for PEOPLESCHOICE
Cross-state asset and health neighbours for PEOPLESCHOICE - kept outside Maine; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($361.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- PEOPLESCHOICE ranks #2,793 of 4,374 nationally on financial health and #41 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OXFORD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OXFORD
- Rates and health both vary by institution, not just by state -- see how Maine credit unions compare overall before assuming this one is typical. Maine state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is PEOPLESCHOICE financially healthy?
PEOPLESCHOICE has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,793 of 4,374; by total assets it ranks #923 of 4,374 nationally (same basis as /rankings/largest); and #13 of 48 within Maine. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.60% and delinquency rate of 1.16%.
How does PEOPLESCHOICE compare to other credit unions?
PEOPLESCHOICE scores 80/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 PEOPLESCHOICE?
Membership eligibility for PEOPLESCHOICE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PEOPLESCHOICE directly for current membership requirements and application steps.
Is my money safe at PEOPLESCHOICE?
Federal credit unions like PEOPLESCHOICE 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. PEOPLESCHOICE's net worth ratio of 8.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PEOPLESCHOICE offer compared to banks?
Credit unions like PEOPLESCHOICE 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 PEOPLESCHOICE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.