TellerScore

Headquartered in Biddeford, Maine, Peopleschoice Credit Union is a federally insured state-chartered credit union with $366.9M in total assets and $335.7M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1963.

Based on its Q2 2026 filing, Peopleschoice Credit Union scores 58/100, which we describe as moderate. That is higher than only 16% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 38th. Its strongest component is problem-loan coverage (82/100; 8.8%), and its lowest is capital cushion (38/100; 8.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.78%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.01%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity78/100
Loans ÷ shares: 82.1% · 10.6% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (56 → 58), mostly because the capital cushion component improved by 7 points.

TellerScore
505559Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202450
Q4 202450
Q1 202555
Q2 202556
Q3 202559
Q4 202556
Q1 202657
Q2 202658
Net worth ratio
7.00%7.89%8.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.39%
Q3 20247.46%
Q4 20247.83%
Q1 20257.88%
Q2 20258.12%
Q3 20258.31%
Q4 20258.52%
Q1 20268.60%
Q2 20268.78%
Delinquent loans (60+ days)
0.87%1.04%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.02%
Q3 20241.11%
Q4 20241.21%
Q1 20250.94%
Q2 20250.95%
Q3 20250.87%
Q4 20251.16%
Q1 20261.12%
Q2 20261.01%
Return on assets
0.39%0.63%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.43%
Q4 20240.46%
Q1 20250.56%
Q2 20250.73%
Q3 20250.83%
Q4 20250.88%
Q1 20260.80%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$366.9M8.78%1.01%0.78%82.1%
Q1 202657$366.9M8.60%1.12%0.80%82.1%
Q4 202556$361.5M8.52%1.16%0.88%82.4%
Q3 202559$359.1M8.31%0.87%0.83%80.9%
Q2 202556$355.8M8.12%0.95%0.73%82.6%
Q1 202555$356.9M7.88%0.94%0.56%81.1%
Q4 202450$352.7M7.83%1.21%0.46%83.8%
Q3 202450$364.4M7.46%1.11%0.43%81.8%
Q2 202450$361.0M7.39%1.02%0.39%81.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.78%
10th
Problem loans1.01%
29th
Net charge-offs0.57%
29th
Return on assets0.78%
53rd
Loans to deposits82.1%
35th
Uninsured deposits10.6%
15th
Loan-loss reserves0.00%
50th
Texas ratio8.8%
17th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Oxford Federal Credit UnionCredit union Mexico, ME91 out of 100, Very strong$370.2M16.2%0.48%vs
Ancorum Credit UnionCredit union Bath, ME53 out of 100, Below average$401.8M9.5%1.60%vs
Downeast Credit UnionCredit union Baileyville, ME54 out of 100, Below average$330.4M8.8%0.95%vs
Acadia Federal Credit UnionCredit union Fort Kent, ME60 out of 100, Moderate$412.8M11.1%1.12%vs
Otis Federal Credit UnionCredit union Jay, ME80 out of 100, Strong$300.3M16.1%1.56%vs
Cport Credit UnionCredit union Portland, ME63 out of 100, Moderate$434.9M10.7%0.82%vs

Deposit insurance

Is my money safe at Peopleschoice Credit Union?

Yes. Peopleschoice Credit Union is a federally insured credit union (NCUA charter #68442). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.6% of shares and deposits ($35.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.78%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Peopleschoice Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Peopleschoice Credit Union reported 202 home-loan applications under HMDA (LEI 5493009SFPZZ40DZTK92): 107 originated ($38,515,000 total), 23 denied, and 67 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Peopleschoice Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68442
RSSD ID
345783
Primary regulator
State + NCUA
Established
1963
Headquarters
P. Bo Box 463, Biddeford, ME 04005
Employees
67

Quick answers

Peopleschoice Credit Union: common questions

Is Peopleschoice Credit Union NCUA insured?

Yes. Peopleschoice Credit Union is a federally insured credit union (NCUA charter #68442). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Peopleschoice Credit Union's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Peopleschoice Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Biddeford

InstitutionScoreAssetsCapitalProblem loansCompare
Gardiner Federal Credit UnionCredit union Gardiner, ME96 out of 100, Very strong$100.7M15.9%0.12%vs
Coast Line Credit UnionCredit union South Portland, ME94 out of 100, Very strong$89.2M19.1%0.22%vs
Skowhegan Savings BankBank Skowhegan, ME88 out of 100, Very strong$855.0M15.8%0.42%vs
Capital Area Federal Credit UnionCredit union Augusta, ME86 out of 100, Very strong$71.4M17.6%0.59%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs