BlastPoint's Credit Union Scorecard

PEOPLE'S COMMUNITY

Charter #24713 · WA

1077 CUs in 100M-500M nationally 18 in WA

PEOPLE'S COMMUNITY has 6 strengths but faces 4 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

+ Credit Quality Leader: Top 0.3% in tier
+ Relationship Depth Leader: Top 78.9% 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
- 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	33%
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	69%
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	46%
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	69%

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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% +23.1% YoY+13.0% QoQ	+0.2%	0.8% +15.5% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	66%
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	26%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#2 of 340 • Top 0.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.00%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.00% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY

Relationship Depth Leader

growth

#203 of 257 • Top 78.9% 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): 2.60%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $6.7K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (3)

Stagnation Risk

risk

#64 of 550 • Bottom 3.8% 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): -2.35%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 2.18%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.00%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

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

Flatlined Growth

risk

#16 of 58 • Bottom 14.6% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.20%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 1.00%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

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%)

worse than tier avg

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Avg: -

#12 of 1077 Top 1.0% in 100M-500M tier

109

Average Member Relationship (AMR)

engagement

Value: $34,221

Peer Avg: -

#109 of 1077 Top 10.0% in 100M-500M tier

170

Net Worth Ratio

risk

Value: 14.91%

Peer Avg: -

#170 of 1077 Top 15.7% in 100M-500M tier

246

Share Certificate Concentration (%)

balance_sheet

Value: 15.14%

Peer Avg: -

#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: -

#968 of 1077 Bottom 10.2% in 100M-500M tier

941

Net Interest Margin (NIM)

profitability

Value: 2.82%

Peer Avg: -

#941 of 1077 Bottom 12.7% in 100M-500M tier

928

Deposit Growth Rate

growth

Value: -0.76%

Peer Avg: -

#928 of 1077 Bottom 13.9% in 100M-500M tier

869

Asset Growth Rate

growth

Value: 0.20%

Peer Avg: -

#869 of 1077 Bottom 19.4% in 100M-500M tier

831

Member Growth Rate

growth

Value: -2.35%

Peer Avg: -

#831 of 1077 Bottom 22.9% in 100M-500M tier