# PEOPLES CHOICE
Coffeyville, KS · NCUA charter 60039 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/peoples-choice-60039

Who the members are: state charter, organized 1935. 592 members of 5,000 potential (11.8% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *stressed*. Composite score 7 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.6M |
| Members | 592 (-3.9% YoY) |
| Full-time staff | 3 |
| Net worth | $1.8M |
| Net worth ratio | 26.6% (p89 of band) |
| ROA (annualized) | -0.71% (p13 of band) |
| Total delinquency | 0.28% (p35 of band) |
| Net charge-offs (annualized) | 1.94% (p93 of band) |
| Loans / shares | 58% (p50 of band) |
| Cash / assets | 49.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.41% (p70 of band) |
| Operating expense / assets | 5.18% (p81 of band) |
| Vehicles % of loans | 79% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.30% (p44 of band) |
| Vehicle NCO | 2.06% (p93 of band) |
| Repossessed % of vehicle book | 0.59% (p97 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 0% |
| Average share balance | $4,413 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $9,001 |
| Loans granted, annualized | $1.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 3 | delinquency 2x band |  |
| 2017-03 | 3 | losing money | delinquency 2x band |
| 2017-06 | 3 | delinquency 2x band, assets shrinking | charge-offs p90, losing money |
| 2017-09 | 5 | delinquency rising, repo signal |  |
| 2017-12 | 3 |  | assets shrinking, repo signal |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | net worth falling, losing money, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2018-09 | 4 | delinquency 2x band | net worth falling |
| 2018-12 | 5 | repo signal, assets shrinking | delinquency 2x band |
| 2019-03 | 2 |  | losing money, charge-offs p90, repo signal |
| 2019-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2019-09 | 5 | repo signal |  |
| 2019-12 | 1 |  | assets shrinking, delinquency 2x band, delinquency rising, repo signal |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, delinquency 2x band |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | margin squeeze, loan book shrinking | delinquency 2x band |
| 2021-03 | 4 | delinquency 2x band |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 1 |  | loan book shrinking, delinquency 2x band |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | members leaving |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 4 | delinquency 2x band |  |
| 2023-06 | 3 |  | delinquency 2x band |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | delinquency 2x band |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 7 | losing money, repo signal, assets shrinking |  |
| 2024-09 | 4 |  | members leaving, losing money, repo signal |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | losing money, charge-offs p90 | delinquency 2x band |
| 2025-09 | 3 |  | charge-offs p90 |
| 2025-12 | 4 | members leaving |  |
| 2026-03 | 7 | net worth falling, charge-offs p90, repo signal |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-22 [Caladium Art Contest brings a splash of color to festival - Mid Florida Newspapers](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOLXA2RnhVa3pNMUNZMjVUak5hZ29TOWJudkhQcFRGYVZ5MFhHQ1kwbXhQQlI1YUFkWHpmZUVfb1h6MmN5X1d2VEk3dlR0R2FheVR2OXdWMXNCdEY2V3ZHbXRoWkk4bWQwdXpOY2thQnp3VTdpTVdoanhyRkxtc0FxeDhjcjZGWW5TUUkzeVgyTGpiLUllekZVcGxTSm5nbklYNGt3X2ppX2FBODdGVndnaGxITmJxbnVpbVBMWFZSX2xKWWJUNkdreGNjRmxyc3llNDAyb2JVNUNkd3l1YlRZNThia3RJdXQ0SndBYUxGN0JkR010T1BZNDNua3M?oc=5) · Mid Florida Newspapers
- 2023-10-13 [The 2023 People’s Choice Scarecrow Light Pole Decorating Contest poll - Sumner NewsCow](https://news.google.com/rss/articles/CBMioAFBVV95cUxOOGlrQ3hZZlAtOG9EbFBHNGZjR3U1TmRfbUNhY0FRSVU4S2paMEZnQ2I5NHlacEhlcVVHNkIwYzIyQ0c5YTlnN3FEaEVnS1ZkRVVjMTVYUnpRNlpEUG40RGozZjRTMUI0d2thRWNQNHc5aGJzUFBCM041QmZ5TEJ0bktCbVB4NWttUlk2SFBFMWgxdFpwOHRhU002RmZxWGhj?oc=5) · Sumner NewsCow
- 2024-11-08 [FHC’s Civil Servants of the Year People’s Choice voting open - Jamaica Observer](https://news.google.com/rss/articles/CBMimwFBVV95cUxOcXhma1B4OGl6ZkpXdFk4Zjh4SHQtalBPMVotZ2RwdVpfSnpHX3Rrb1lOc3J1ZGJGNDFFMjBlZkZtOVY0S185T2dzWkhnWU5PR19za3R1UzBJTk01aHVHd2djMTlRdTE4Z3pYYm12dFhjSjdyaEt0NXdBenV6bjRIQWdBaHdDWG5MMkZFcGQ0TURUUmhvZjEtYWozZw?oc=5) · Jamaica Observer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60039 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/7.json (key "60039", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60039
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide