BlastPoint's Credit Union Scorecard

PEOPLES

Charter #16993 · WV

1077 CUs in 100M-500M nationally 8 in WV

PEOPLES has 4 strengths but faces 9 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

+ Profitability Leader: Top 12.7% in tier
+ ROA 1.16% above tier average
+ Net Interest Margin 1.40% above tier average
+ Net Worth Ratio: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.0% in tier
- Stagnation Risk: Bottom 15.4% in tier
- Indirect Auto Dependency: Bottom 17.2% in tier
- Membership Headwinds: Bottom 28.3% in tier
- Institutional Decline: Bottom 29.1% in tier
- Liquidity Strain: Bottom 30.6% in tier
- Liquidity Overhang: Bottom 95.5% in tier
- Delinquency rate 1.10% above tier average
- Total Delinquency Rate (60+ days): Bottom 7.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	10,849 -1.0% YoY-0.1% QoQ	-4.8K	15,628 -3.4% YoY	5,095 +0.6% YoY	33,089 +6.1% YoY	34%
Assets	$125.6M +6.4% YoY-0.1% QoQ	$-105.7M	$231.3M -0.0% YoY	$68.6M +3.5% YoY	$547.7M +7.8% YoY	17%
Loans	$96.9M -5.3% YoY-1.8% QoQ	$-50.9M	$147.8M -1.4% YoY	$38.2M +0.9% YoY	$388.7M +8.6% YoY	33%
Deposits	$104.3M +5.3% YoY-0.4% QoQ	$-95.9M	$200.3M -0.0% YoY	$58.7M +3.0% YoY	$464.6M +9.3% YoY	Bottom 13.7% in tier

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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	1.9% +8.4% YoY-9.2% QoQ	+1.2%	0.8% +15.5% YoY	1.0% +49.4% YoY	0.7% +273.4% YoY	Top 3.7% in tier
NIM	5.0% +0.8% YoY+1.2% QoQ	+1.4%	3.6% +6.9% YoY	3.9% +3.9% YoY	3.7% +5.0% YoY	Top 2.9% in tier
Efficiency Ratio	61.9% -5.4% YoY+4.7% QoQ	-15.4%	77.3% -3.0% YoY	72.7% -3.2% YoY	79.1% -3.3% YoY	Bottom 10.6% in tier
Delinquency Rate	2.0% +62.7% YoY-18.3% QoQ	+1.1	0.9% +7.6% YoY	1.3% -29.4% YoY	1.2% -0.9% YoY	Top 7.4% in tier
Loan To Share	92.8% -10.1% YoY-1.4% QoQ	+20.1%	72.7% -1.5% YoY	60.8% -6.8% YoY	68.0% -1.7% YoY	Top 10.7% in tier
AMR	$18,548 +0.9% YoY-1.0% QoQ	$-6K	$24,363 +2.9% YoY	$14,844 +2.4% YoY	$19,418 +1.3% YoY	26%
CD Concentration	12.7% +4.9% YoY+4.4% QoQ	-11.7%	24.4% +4.2% YoY	16.2% +7.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	19.2% -22.2% YoY-6.6% QoQ	+5.2%	14.0% -5.7% YoY	2.3% -13.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#44 of 340 • Top 12.7% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.95%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (7)

Credit Quality Pressure

risk

#74 of 736 • Bottom 3.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.75% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Stagnation Risk

risk

#255 of 550 • Bottom 15.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.35%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.95%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#278 of 525 • Bottom 17.2% in tier

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

Why This Signature

Asset Growth (YoY): 6.44%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 19.17%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Membership Headwinds

decline

#466 of 550 • Bottom 28.3% in tier

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

Why This Signature

Member Growth (YoY): -1.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#230 of 256 • Bottom 29.1% in tier

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

Why This Signature

Total Assets: $125.59M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.35%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Liquidity Strain

risk

#238 of 258 • Bottom 30.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.85%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -5.35%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Liquidity Overhang

risk

#128 of 134 • Bottom 95.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.47%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 92.85%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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 1077 peers in tier

Top Strengths (7 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.98%

Peer Avg: -

#31 of 1077 Top 2.8% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.95%

Peer Avg: -

#40 of 1077 Top 3.6% in 100M-500M tier

100

Net Worth Ratio

risk

Value: 16.47%

Peer Avg: -

#100 of 1077 Top 9.2% in 100M-500M tier

115

Efficiency Ratio

profitability

Value: 61.88%

Peer Avg: -

#115 of 1077 Top 10.6% in 100M-500M tier

115

Loan-to-Share Ratio

balance_sheet

Value: 92.85%

Peer Avg: -

#115 of 1077 Top 10.6% in 100M-500M tier

180

Share Certificate Concentration (%)

balance_sheet

Value: 12.72%

Peer Avg: -

#180 of 1077 Top 16.6% in 100M-500M tier

251

Fee Income Per Member

profitability

Value: $217.86

Peer Avg: -

#251 of 1077 Top 23.2% in 100M-500M tier

Top Weaknesses (5 metrics)

998

Total Delinquency Rate (60+ days)

risk

Value: 1.95%

Peer Avg: -

#998 of 1077 Bottom 7.4% in 100M-500M tier

955

Loan Growth Rate

growth

Value: -5.35%

Peer Avg: -

#955 of 1077 Bottom 11.4% in 100M-500M tier

929

Total Deposits

balance_sheet

Value: $104.34M

Peer Avg: -

#929 of 1077 Bottom 13.8% in 100M-500M tier

890

Total Assets

balance_sheet

Value: $125.59M

Peer Avg: -

#890 of 1077 Bottom 17.5% in 100M-500M tier

866

Net Charge-Off Rate

risk

Value: 0.70%

Peer Avg: -

#866 of 1077 Bottom 19.7% in 100M-500M tier