# PEOPLESCHOICE
Biddeford, ME · NCUA charter 68442 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/peopleschoice-68442

Who the members are: state charter, organized 1963. 20,377 members of 1,024,765 potential (2.0% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $366.9M |
| Members | 20,377 (-1.4% YoY) |
| Full-time staff | 68 |
| Net worth | $31.5M |
| Net worth ratio | 8.6% (p9 of band) |
| ROA (annualized) | 0.80% (p59 of band) |
| Total delinquency | 1.12% (p84 of band) |
| Net charge-offs (annualized) | 0.53% (p65 of band) |
| Loans / shares | 82% (p72 of band) |
| Cash / assets | 5.3% |
| Borrowings / assets | 1.09% |
| Net interest margin | 3.93% (p75 of band) |
| Operating expense / assets | 3.94% (p60 of band) |
| Vehicles % of loans | 25% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 141% (p70 of band) |
| Vehicle delinquency | 0.93% (p74 of band) |
| Vehicle NCO | 2.00% (p91 of band) |
| Repossessed % of vehicle book | 0.06% (p66 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 34% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 39% |
| Average share balance | $6,865 |
| Participations bought / yr | $3.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.6M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $21,352 |
| Loans granted, annualized | $70.5M |

## Participation posture (from the same filings)

Bought $3.6M and sold $0 in the latest annualized quarter; $1.6M outstanding purchased (5.2% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 0.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | leaning on borrowings |  |
| 2016-09 | 2 |  | leaning on borrowings |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency 2x band |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 4 | repo signal | net worth falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | net worth falling |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 4 |  | net worth falling |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | delinquency 2x band |
| 2019-06 | 3 | delinquency 2x band | repo signal |
| 2019-09 | 2 |  | delinquency 2x band |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 5 | margin squeeze, delinquency 2x band |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 4 |  | margin squeeze |
| 2022-03 | 4 |  |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | delinquency 2x band |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | net worth falling |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | net worth falling |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2024-09-18 [Saco-based credit union gets green light to expand - Mainebiz](https://news.google.com/rss/articles/CBMihwFBVV95cUxQNXdiOGp1dVFjZ2VkNVE3THpETjl5VjF6Z1VfSE5uV1RfYjIybE1ZeVN5eWdZc3FVbHVLckNTcTBuNWhEWTczN21tUFNIVG5aME52ZzM2NDUzUkxkelJxSXd3RTVwaDNIWXp0T3JlakRoSGJqdEV6Z3ZYdE1va1phcEk3NEoxSlE?oc=5) · Mainebiz
- 2020-10-19 [New rankings: Best places to work in Maine - WMTW](https://news.google.com/rss/articles/CBMihgFBVV95cUxNS2JabDdDeTdiajB2Ykp5QWhDMlNoelRQbGhjek4yNFJ0eENKYVNIallwSG40UGRxS0VveVdVa3EwNHFxZVJMcG1Wa2dadzhEcXlHUC1CSGtWaWh0TmJPVkVvaXllOXJpbmhhX1l2ZTFmdGRvTkpiRUVxQmdjVG9Lck02aUozUQ?oc=5) · WMTW
- 2023-10-13 [What are the best companies to work for in Maine? - WABI](https://news.google.com/rss/articles/CBMidEFVX3lxTE5XTFA0dkVydWpSSVdSbmtVcDhRZklsN2dVeHhRZldUMU9ZNGhwOHBYaTRXc0F4dkZTeEQzY2IzdFhySW1OMlJHMl93UnhQWXY4SmpWWm1VY1BfakZ4OU9nZGFrQjlFM3UtbTBwaHc0UTN4MmY10gGIAUFVX3lxTE13bk5XUU9sNkU1MUJINE54OWcwYTIwM2pKSUNfQkMwbjZlaU0wa2lTQUNYUVd0V0l4V0tITi1hMW9JMmY0OWxValc0OVBKVUd5eGt5N0d2M1F3ck5WbXhMeHIyWGlBSzQxSktxSFIyMlNVTExBZTByeGpwMXBtQnBVd21tNjBRejk?oc=5) · WABI
- 2016-08-09 [Banks announce new hires, promotions - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMigAFBVV95cUxOT0RvMlg0elhMSW5uY2p1QTFMaFlTV2t1bFYzaHZaQlBRNFN0V3hnYnQ0S0tSOC1sby1yWjhFN0liR3gwYXd5aVJ6ZmJtMGh5VHRmcjNVVUQ1VjJCa25TcF9xM3BhT2hCSTdnN3VNX1pscVN4bnJHM2RCUk5kX0hiYw?oc=5) · Portland Press Herald - Maine Sunday Telegram
- 2025-08-11 [Here are the 2025 ‘Best Places to Work in Maine’ - Mainebiz](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVHhCVm5aTnQ0S0g0QW45YVFFeWJsd0FGaVJkSGhaQmNsSFBrcFMwVFR3VGx6bTNjMTh0TnczYjdMWnF5NE8xa2FfdG0zWUpOcURqNGZmeWVsdWNkRUR4WWlHSnM4T1BGMnhMSmxnT1U4R3N5VXlTZHkwNWp3ZjkycUNB?oc=5) · Mainebiz
- 2015-10-20 [Apple Pay Now Supports HSBC and Over 70 Other Issuers in U.S. - MacRumors](https://news.google.com/rss/articles/CBMiekFVX3lxTFBUTHRCY3IzdWNublNxdFdfQTFrMXNIM1djSGRhdEJQYm1fTWxleG9LT0lQbm0zS1psTVpiRmxmM0tDbGgzWEtGX2NPS184eC1iVkhnblRscUJ2TUU5aDdOM2x6VXFvZEpPckRZdFY1eEJIbC12MnBsUHdn?oc=5) · MacRumors
- 2023-10-12 [Here are the 2023 ‘Best Places to Work in Maine,’ ranked - Mainebiz](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTndwcnZhSGxqdWE5ZUc1b21Qd1JzN21aMkNILXVjY3BKNmlzWTh0Rk03cFRWNXFhZ0ZtMldGSXZVV2RiX3NxMXlTZGZZRkJtbGU0T1Y2VkFKVE9RQUFZQnlaYkJ3SllxcWJpVGRUTWpKaXllTVd0MDZWT2J6OGVNam9CVUZpbVRRbFJF?oc=5) · Mainebiz
- 2020-09-11 [84 companies named Maine’s ‘best places to work’ - Mainebiz](https://news.google.com/rss/articles/CBMigAFBVV95cUxPdUpRSDBSV2N4TTF4elNMUG5jUWJpZ3VfTG1FVzJCWGNBWjlwLXlCdHlVWVVjWmdUYVIxbi0xTVdIaHRON1JENmJFcGJvVDRINDVualBnUWFIY0dOcC16M3AzV3RoRWhRZFJ5RXJqdzFOaGE2V3NSelV3QndVbHl4RA?oc=5) · Mainebiz

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68442 (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/26.json (key "68442", 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=68442
- 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