BlastPoint's Credit Union Scorecard

PEOPLES

Charter #16993 · WV

100M-500M

1024 CUs in 100M-500M nationally 8 in WV

PEOPLES has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.12% above tier average
+ Net Interest Margin 1.16% above tier average
+ Net Worth Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 1.30% above tier average
- Net Charge-Off Rate: Bottom 5.1% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in West Virginia.
Shares and deposits +3.4% year over year ($108M in shares and deposits).
Membership: 10,730 members, -1.2% vs a year ago.
Delinquency rate 2.19%.
Return on assets 0.98%.
Efficiency ratio 65.13% vs a 76.73% peer average.
Loan-to-share ratio 86.20% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	10,730 -1.2% YoY-0.3% QoQ	-4.4K	15,168 -2.6% YoY	5,079 -0.5% YoY	34,678 +6.6% YoY	36%
Assets	$130.6M +4.0% YoY-0.5% QoQ	$-101.4M	$232.0M +0.7% YoY	$71.2M +3.6% YoY	$593.1M +10.2% YoY	19%
Loans	$93.4M -5.3% YoY-1.2% QoQ	$-52.9M	$146.3M +0.2% YoY	$38.5M +1.2% YoY	$418.6M +10.1% YoY	32%
Deposits	$108.3M +3.4% YoY-1.1% QoQ	$-92.4M	$200.7M +0.2% YoY	$60.8M +2.9% YoY	$504.8M +10.3% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -54.2% YoY+27.0% QoQ	+0.1%	0.9% +12.5% YoY	1.1% +25.0% YoY	1.2% +121.4% YoY	63%
NIM	4.8% -1.6% YoY+1.6% QoQ	+1.2%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Top 5.1% in tier
Efficiency Ratio	65.1% +10.1% YoY-0.7% QoQ	-11.6%	76.7% -0.8% YoY	78.0% +6.1% YoY	83.0% -5.3% YoY	16%
Delinquency Rate	2.2% -8.7% YoY+40.6% QoQ	+1.3	0.9% +6.6% YoY	1.4% +1.7% YoY	1.3% +2.6% YoY	Bottom 5.5% in tier
Loan To Share	86.2% -8.4% YoY-0.1% QoQ	+14.7%	71.5% -0.3% YoY	58.3% -3.5% YoY	66.4% -1.4% YoY	78%
AMR	$18,794 +0.3% YoY-0.9% QoQ	$-6K	$25,107 +3.2% YoY	$15,001 +0.4% YoY	$20,028 -0.9% YoY	25%
CD Concentration	12.6% +3.3% YoY-2.4% QoQ	-12.0%	24.6%	16.8%	20.0%	50%
Indirect Auto %	14.9% -27.2% YoY-7.3% QoQ	+1.3%	13.6%	1.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#149 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.34%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 2.19%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Margin Compression

decline

#50 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.98%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 2.15%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -1.16% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Cost Spiral

risk

#73 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 6.00% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 59.13%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Membership Headwinds

decline

#438 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#191 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $130.64M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.34%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

Liquidity Overhang

risk

#127 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.53%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 86.20%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.84%

Peer Median: 3.67%

#52 of 1024 Top 5.0% in 100M-500M tier

100

Net Worth Ratio

risk

Value: 16.53%

Peer Median: 11.71%

#100 of 1024 Top 9.7% in 100M-500M tier

151

Share Certificate Concentration (%)

balance_sheet

Value: 12.58%

Peer Median: 23.39%

#151 of 1024 Top 14.6% in 100M-500M tier

161

Efficiency Ratio

profitability

Value: 65.13%

Peer Median: 77.26%

#161 of 1024 Top 15.6% in 100M-500M tier

225

Loan-to-Share Ratio

balance_sheet

Value: 86.20%

Peer Median: 73.07%

#225 of 1024 Top 21.9% in 100M-500M tier

Top Weaknesses (7 metrics)

973

Net Charge-Off Rate

risk

Value: 1.33%

Peer Median: 0.34%

#973 of 1024 Bottom 5.1% in 100M-500M tier

969

Total Delinquency Rate (60+ days)

risk

Value: 2.19%

Peer Median: 0.71%

#969 of 1024 Bottom 5.5% in 100M-500M tier

932

Loan Growth Rate

growth

Value: -5.34%

Peer Median: 3.02%

#932 of 1024 Bottom 9.1% in 100M-500M tier

861

Total Deposits

balance_sheet

Value: $108.30M

Peer Median: $170.77M

#861 of 1024 Bottom 16.0% in 100M-500M tier

827

Total Assets

balance_sheet

Value: $130.64M

Peer Median: $196.38M

#827 of 1024 Bottom 19.3% in 100M-500M tier

791

AMR Growth Rate

growth

Value: 0.33%

Peer Median: 3.53%

#791 of 1024 Bottom 22.9% in 100M-500M tier

769

Average Member Relationship (AMR)

engagement

Value: $18,794

Peer Median: $23,006

#769 of 1024 Bottom 25.0% in 100M-500M tier