BlastPoint's Credit Union Scorecard

PEOPLES

Charter #16993 · WV

1069 CUs in 100M-500M nationally 8 in WV

PEOPLES has 2 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 0.89% above tier average
+ Net Interest Margin 1.36% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.5% in tier
- Stagnation Risk: Bottom 38.7% in tier
- Indirect Auto Dependency: Bottom 53.9% in tier
- Membership Headwinds: Bottom 88.2% in tier
- Institutional Decline: Bottom 91.6% in tier
- Liquidity Overhang: Bottom 96.3% in tier
- Delinquency rate 1.84% above tier average
- Total Delinquency Rate (60+ days): Bottom 3.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	10,746 -1.0% YoY-0.9% QoQ	-4.7K	15,437 -2.9% YoY	5,083 -0.6% YoY	33,374 +5.7% YoY	35%
Assets	$128.4M +8.4% YoY+2.3% QoQ	$-103.4M	$231.9M +1.3% YoY	$69.7M +5.0% YoY	$561.6M +9.7% YoY	19%
Loans	$96.0M -4.2% YoY-0.9% QoQ	$-51.3M	$147.3M -0.1% YoY	$38.0M -0.4% YoY	$397.0M +8.8% YoY	33%
Deposits	$106.8M +7.9% YoY+2.3% QoQ	$-94.1M	$200.8M +0.8% YoY	$59.6M +4.6% YoY	$477.3M +9.7% 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	1.7% -1.2% YoY-15.1% QoQ	+0.9%	0.8% +18.2% YoY	0.9% +20.0% YoY	0.7% +15.9% YoY	Top 7.1% in tier
NIM	5.0% -1.5% YoY-0.4% QoQ	+1.4%	3.6% +6.7% YoY	3.9% +5.0% YoY	3.8% +5.1% YoY	Top 3.0% in tier
Efficiency Ratio	64.2% -4.7% YoY+3.8% QoQ	-12.8%	77.0% -3.1% YoY	74.6% -2.6% YoY	79.7% -3.3% YoY	Bottom 13.2% in tier
Delinquency Rate	2.7% +38.6% YoY+39.9% QoQ	+1.8	0.9% +4.2% YoY	1.4% -22.3% YoY	1.3% -2.1% YoY	Top 3.3% in tier
Loan To Share	90.0% -11.2% YoY-3.1% QoQ	+17.7%	72.2% -1.1% YoY	59.6% -5.3% YoY	67.4% -1.7% YoY	Top 14.0% in tier
AMR	$18,872 +2.8% YoY+1.7% QoQ	$-6K	$24,676 +3.4% YoY	$14,830 +1.4% YoY	$19,687 +2.0% YoY	27%
CD Concentration	12.8% +4.6% YoY+0.4% QoQ	-11.7%	24.4%	15.7%	19.8%	50%
Indirect Auto %	17.3% -25.2% YoY-9.6% QoQ	+3.5%	13.8%	2.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#68 of 705 • Bottom 9.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.76% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#215 of 554 • Bottom 38.7% 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): -0.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.22%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 2.73%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#273 of 506 • Bottom 53.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.41%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 17.33%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#489 of 554 • Bottom 88.2% in tier

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

Why This Signature

Member Growth (YoY): -0.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#220 of 240 • Bottom 91.6% in tier

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

Why This Signature

Total Assets: $128.43M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -0.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.22%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Liquidity Overhang

risk

#130 of 135 • Bottom 96.3% in tier

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

Why This Signature

Net Worth Ratio: 16.31%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 89.97%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (8 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.96%

Peer Median: -

#32 of 1069 Top 2.9% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.65%

Peer Median: -

#76 of 1069 Top 7.0% in 100M-500M tier

108

Net Worth Ratio

risk

Value: 16.31%

Peer Median: -

#108 of 1069 Top 10.0% in 100M-500M tier

142

Efficiency Ratio

profitability

Value: 64.20%

Peer Median: -

#142 of 1069 Top 13.2% in 100M-500M tier

150

Loan-to-Share Ratio

balance_sheet

Value: 89.97%

Peer Median: -

#150 of 1069 Top 13.9% in 100M-500M tier

169

Share Certificate Concentration (%)

balance_sheet

Value: 12.76%

Peer Median: -

#169 of 1069 Top 15.7% in 100M-500M tier

220

Asset Growth Rate

growth

Value: 8.41%

Peer Median: -

#220 of 1069 Top 20.5% in 100M-500M tier

227

Deposit Growth Rate

growth

Value: 7.89%

Peer Median: -

#227 of 1069 Top 21.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1035

Total Delinquency Rate (60+ days)

risk

Value: 2.73%

Peer Median: -

#1035 of 1069 Bottom 3.3% in 100M-500M tier

922

Loan Growth Rate

growth

Value: -4.22%

Peer Median: -

#922 of 1069 Bottom 13.8% in 100M-500M tier

918

Net Charge-Off Rate

risk

Value: 0.83%

Peer Median: -

#918 of 1069 Bottom 14.2% in 100M-500M tier

901

Total Deposits

balance_sheet

Value: $106.75M

Peer Median: -

#901 of 1069 Bottom 15.8% in 100M-500M tier

865

Total Assets

balance_sheet

Value: $128.43M

Peer Median: -

#865 of 1069 Bottom 19.2% in 100M-500M tier