BlastPoint's Credit Union Scorecard

PEOPLE'S COMMUNITY

Charter #24713 · WA

1069 CUs in 100M-500M nationally 16 in WA

PEOPLE'S COMMUNITY has 6 strengths but faces 3 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 89.1% in tier
+ ROA 0.19% above tier average
+ Total Delinquency Rate (60+ days): Top 0.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 1.8% in tier
+ Average Member Relationship (AMR): Top 9.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 80.1% in tier
- Stagnation Risk: Bottom 92.0% in tier
- Loan-to-Share Ratio: Bottom 8.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	10,497 -1.3% YoY+0.3% QoQ	-4.9K	15,437 -2.9% YoY	67,597 +5.2% YoY	33,374 +5.7% YoY	34%
Assets	$280.6M +2.1% YoY+3.1% QoQ	+$48.8M	$231.9M +1.3% YoY	$1.3B +7.9% YoY	$561.6M +9.7% YoY	70%
Loans	$116.9M +1.3% YoY-1.0% QoQ	$-30.5M	$147.3M -0.1% YoY	$943.7M +8.0% YoY	$397.0M +8.8% YoY	46%
Deposits	$247.5M +0.4% YoY+3.0% QoQ	+$46.7M	$200.8M +0.8% YoY	$1.1B +9.4% YoY	$477.3M +9.7% YoY	70%

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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% +19.3% YoY-4.8% QoQ	+0.2%	0.8% +18.2% YoY	0.6% +2.5% YoY	0.7% +15.9% YoY	64%
NIM	2.8% +7.9% YoY-0.9% QoQ	-0.8%	3.6% +6.7% YoY	3.7% +4.7% YoY	3.8% +5.1% YoY	Bottom 11.1% in tier
Efficiency Ratio	70.4% -5.0% YoY+0.3% QoQ	-6.6%	77.0% -3.1% YoY	76.6% -1.6% YoY	79.7% -3.3% YoY	27%
Delinquency Rate	0.0% -100.0% YoY	-0.9	0.9% +4.2% YoY	0.9% -2.6% YoY	1.3% -2.1% YoY	Bottom 0.0% in tier
Loan To Share	47.2% +0.9% YoY-3.9% QoQ	-25.0%	72.2% -1.1% YoY	76.8% -1.3% YoY	67.4% -1.7% YoY	Bottom 8.6% in tier
AMR	$34,713 +2.0% YoY+1.4% QoQ	+$10K	$24,676 +3.4% YoY	$29,074 +3.3% YoY	$19,687 +2.0% YoY	Top 10.0% in tier
CD Concentration	17.6% +2.9% YoY+16.0% QoQ	-6.9%	24.4%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	16.8%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#239 of 268 • Top 89.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.98%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $6.7K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (2)

Membership Headwinds

decline

#444 of 554 • Bottom 80.1% in tier

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

Why This Signature

Member Growth (YoY): -1.27%

(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

Stagnation Risk

risk

#510 of 554 • Bottom 92.0% 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): -1.27%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.31%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

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

→ No prior data (554 CUs now) | 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 (5 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: -

#20 of 1069 Top 1.8% in 100M-500M tier

107

Average Member Relationship (AMR)

engagement

Value: $34,713

Peer Median: -

#107 of 1069 Top 9.9% in 100M-500M tier

180

Net Worth Ratio

risk

Value: 14.68%

Peer Median: -

#180 of 1069 Top 16.7% in 100M-500M tier

Top Weaknesses (3 metrics)

977

Loan-to-Share Ratio

balance_sheet

Value: 47.21%

Peer Median: -

#977 of 1069 Bottom 8.7% in 100M-500M tier

950

Net Interest Margin (NIM)

profitability

Value: 2.79%

Peer Median: -

#950 of 1069 Bottom 11.2% in 100M-500M tier

863

Deposit Growth Rate

growth

Value: 0.40%

Peer Median: -

#863 of 1069 Bottom 19.4% in 100M-500M tier