BlastPoint's Credit Union Scorecard
PEOPLE'S COMMUNITY
Charter #24713 · WA
PEOPLE'S COMMUNITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Net Charge-Off Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 1.44% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 8.7% in tier
- - Net Interest Margin (NIM): Bottom 9.2% 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 15 that size in Washington.
- Shares and deposits -2.5% year over year ($237M in shares and deposits).
- Membership: 10,317 members, -1.9% vs a year ago.
- Delinquency rate 2.32%.
- Return on assets 0.90%.
- Efficiency ratio 70.83% vs a 76.73% peer average.
- Loan-to-share ratio 51.82% 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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,317
-1.9% YoY-1.1% QoQ
|
-4.9K |
15,168
-2.6% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$269.1M
-1.6% YoY-3.7% QoQ
|
+$37.1M |
$232.0M
+0.7% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$122.7M
+3.5% YoY+4.0% QoQ
|
$-23.6M |
$146.3M
+0.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$236.7M
-2.5% YoY-4.2% QoQ
|
+$36.0M |
$200.7M
+0.2% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
0.9%
+1.9% YoY+4.8% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
2.9%
+6.1% YoY+7.0% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.1% in tier |
| Efficiency Ratio |
70.8%
-1.6% YoY-2.6% QoQ
|
-5.9% |
76.7%
-0.8% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
2.3%
-3.8% QoQ
|
+1.4 |
0.9%
+6.6% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.5% in tier |
| Loan To Share |
51.8%
+6.1% YoY+8.5% QoQ
|
-19.7% |
71.5%
-0.3% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.6% in tier |
| AMR |
$34,837
+1.4% YoY-0.4% QoQ
|
+$10K |
$25,107
+3.2% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 10.9% in tier |
| CD Concentration |
14.4%
-5.1% YoY-18.7% QoQ
|
-10.1% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 16.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)