PEOPLES CHOICE
Charter #60039 · Coffeyville, KS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.71% sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.92% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 54th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PEOPLES CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.62M | 76th pct | 54th pct |
| Members | 592 | 51th pct | 30th pct |
| Net worth ratio | 26.56% | 79th pct | 70th pct |
| Return on average assets | -0.71% | 19th pct | 15th pct |
| Net interest margin | 4.41% | 61th pct | 44th pct |
| Cost of funds | 0.42% | 45th pct | 28th pct |
| Loan-to-share | 58.15% | 49th pct | 36th pct |
| Delinquency 60+ days | 0.28% | 36th pct | 28th pct |
| Net charge-off ratio | 1.92% | 91th pct | 77th pct |
| Loan growth YoY | -6.75% | 41th pct | 43th pct |
| Share growth YoY | -0.83% | 42th pct | 44th pct |
| Efficiency ratio | 95.98% | 67th pct | 72th pct |
structural peer set hash: ca44f26c29d5cc90ce906399874cdf34… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.