BlastPoint's Credit Union Scorecard
PEOPLES
Charter #16993 · WV
PEOPLES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.13% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Delinquency rate 0.78% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,760
-0.8% YoY+0.1% QoQ
|
-4.4K |
15,145
-2.5% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$131.3M
+6.4% YoY+2.2% QoQ
|
$-100.4M |
$231.7M
+0.8% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$94.5M
-4.7% YoY-1.6% QoQ
|
$-49.7M |
$144.1M
+0.2% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$109.5M
+6.1% YoY+2.6% QoQ
|
$-91.7M |
$201.1M
+0.4% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
0.8%
-67.8% YoY-53.2% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
56% |
| NIM |
4.8%
-4.0% YoY-4.0% QoQ
|
+1.1% |
3.6%
+4.6% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 5.0% in tier |
| Efficiency Ratio |
65.6%
+16.5% YoY+2.1% QoQ
|
-12.5% |
78.0%
-1.7% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
1.6%
-1.9% YoY-43.1% QoQ
|
+0.8 |
0.8%
+7.1% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.0% in tier |
| Loan To Share |
86.3%
-10.1% YoY-4.1% QoQ
|
+15.9% |
70.4%
-0.4% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$18,956
+1.6% YoY+0.4% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
12.9%
+5.0% YoY+1.1% QoQ
|
-11.4% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % |
16.1%
-26.2% YoY-7.0% QoQ
|
+2.3% | 13.8% | 2.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)