PEOPLE'S COMMUNITY
Charter #24713 | WA
100M-500M
(1077 CUs)
Micro
($0-$500M)
18 100M-500M in WA
PEOPLE'S COMMUNITY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 10.6% in tier
- + Wallet Share Momentum: Top 28.0% in tier
- + ROA 0.21% 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 1.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 3.8% in tier
- - Liquidity Overhang: Bottom 4.8% in tier
- - Flatlined Growth: Bottom 14.6% in tier
- - Membership Headwinds: Bottom 17.6% in tier
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,469
-2.4% YoY-0.5% QoQ
|
-5.2K |
15,628
-3.4% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
33rd in tier |
| Assets |
$272.3M
+0.2% YoY-0.5% QoQ
|
+$41.0M |
$231.3M
-0.0% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
69th in tier |
| Loans |
$118.1M
+2.2% YoY-0.4% QoQ
|
$-29.7M |
$147.8M
-1.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
46th in tier |
| Deposits |
$240.2M
-0.8% YoY-1.0% QoQ
|
+$39.9M |
$200.3M
-0.0% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
69th in tier |
| ROA |
1.0%
+23.1% YoY+13.0% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
66th in tier |
| NIM |
2.8%
+9.0% YoY+4.9% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.6% in tier |
| Efficiency Ratio |
70.2%
-5.2% YoY-2.5% QoQ
|
-7.1% |
77.3%
-3.0% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
26th in tier |
| Delinquency Rate | 0.0% | -0.9 |
0.9%
+7.6% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
49.1%
+3.0% YoY+0.6% QoQ
|
-23.6% |
72.7%
-1.5% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.1% in tier |
| AMR |
$34,221
+2.6% YoY-0.4% QoQ
|
+$10K |
$24,363
+2.9% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 10.1% in tier |
| CD Concentration |
15.1%
-12.4% YoY-0.3% QoQ
|
-9.3% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growth
#293 of 1006 • Top 10.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
2.60%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$6.7K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#772 of 1006 • Top 28.0% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
2.60%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (4)
Stagnation Risk
risk
#64 of 550 • Bottom 3.8% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
1.00%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.35%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$34.2K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
15.14%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#75 of 552 • Bottom 4.8% 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:
14.91%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
49.15%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Flatlined Growth
risk
#16 of 58 • Bottom 14.6% in tier
Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.
Why This Signature
Total Assets:
$272.30M
(Tier: $231.30M, National: $547.69M)
Asset Growth (YoY):
0.20%
(Tier:
4.61%, National:
3.04%)
Return on Assets:
1.00%
(Tier:
0.77%, National:
0.71%)
58 of 1077 Community CUs have this signature
| 82 nationally
↑ Growing
+10 CUs YoY
|
New qualifier
Membership Headwinds
decline
#291 of 550 • Bottom 17.6% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.35%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 0.86%
#1 of 1077
Top 0.0% in 100M-500M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
12
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.47%
#12 of 1077
Top 1.0% in 100M-500M tier
109
Average Member Relationship (AMR)
engagement
Value:
$34,221
Peer Avg: $24,363
#109 of 1077
Top 10.0% in 100M-500M tier
170
Net Worth Ratio
risk
Value:
14.91%
Peer Avg: 12.15%
#170 of 1077
Top 15.7% in 100M-500M tier
246
Share Certificate Concentration (%)
balance_sheet
Value:
15.14%
Peer Avg: 23.61%
#246 of 1077
Top 22.7% in 100M-500M tier
Top Weaknesses (5 metrics)
968
Loan-to-Share Ratio
balance_sheet
Value:
49.15%
Peer Avg: 72.70%
#968 of 1077
Bottom 10.2% in 100M-500M tier
941
Net Interest Margin (NIM)
profitability
Value:
2.82%
Peer Avg: 3.58%
#941 of 1077
Bottom 12.7% in 100M-500M tier
928
Deposit Growth Rate
growth
Value:
-0.76%
Peer Avg: 4.69%
#928 of 1077
Bottom 13.9% in 100M-500M tier
869
Asset Growth Rate
growth
Value:
0.20%
Peer Avg: 4.70%
#869 of 1077
Bottom 19.4% in 100M-500M tier
831
Member Growth Rate
growth
Value:
-2.35%
Peer Avg: 0.72%
#831 of 1077
Bottom 22.9% in 100M-500M tier