BlastPoint's Credit Union Scorecard

PEOPLE'S COMMUNITY

Charter #24713 · WA

100M-500M

1070 CUs in 100M-500M nationally 17 in WA

PEOPLE'S COMMUNITY has 2 strengths but faces 7 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

+ ROA 0.13% above tier average
+ Net Charge-Off Rate: Top 4.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Delinquency rate 1.64% above tier average
- Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- Net Interest Margin (NIM): Bottom 6.4% in tier
- Loan-to-Share Ratio: Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	10,432 -1.8% YoY-0.6% QoQ	-4.7K	15,145 -2.5% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	34%
Assets	$279.3M -0.9% YoY-0.5% QoQ	+$47.6M	$231.7M +0.8% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	70%
Loans	$118.0M +0.3% YoY+1.0% QoQ	$-26.1M	$144.1M +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	48%
Deposits	$247.0M -2.0% YoY-0.2% QoQ	+$45.9M	$201.1M +0.4% YoY	$1.1B +7.7% YoY	$494.3M +9.1% 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	0.9% +6.5% YoY-9.6% QoQ	+0.1%	0.7% +5.1% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	62%
NIM	2.7% +3.0% YoY-4.6% QoQ	-1.0%	3.6% +4.6% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	Bottom 6.4% in tier
Efficiency Ratio	72.7% -0.8% YoY+3.2% QoQ	-5.3%	78.0% -1.7% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	30%
Delinquency Rate	2.4%	+1.6	0.8% +7.1% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	Bottom 3.4% in tier
Loan To Share	47.8% +2.3% YoY+1.2% QoQ	-22.6%	70.4% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	Bottom 9.7% in tier
AMR	$34,991 +0.5% YoY+0.8% QoQ	+$10K	$24,918 +2.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	Top 10.4% in tier
CD Concentration	17.7% +0.3% YoY+0.9% QoQ	-6.6%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	16.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk

#3 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 2.41% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Stagnation Risk

risk

#221 of 570 • Bottom 50.0% 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): -1.79%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.30%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 2.41%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#387 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.79%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.35%

#52 of 1070 Top 4.8% in 100M-500M tier

111

Average Member Relationship (AMR)

engagement

Value: $34,991

Peer Median: $22,931

#111 of 1070 Top 10.3% in 100M-500M tier

175

Net Worth Ratio

risk

Value: 14.71%

Peer Median: 11.45%

#175 of 1070 Top 16.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1035

Total Delinquency Rate (60+ days)

risk

Value: 2.41%

Peer Median: 0.61%

#1035 of 1070 Bottom 3.4% in 100M-500M tier

1002

Net Interest Margin (NIM)

profitability

Value: 2.66%

Peer Median: 3.62%

#1002 of 1070 Bottom 6.4% in 100M-500M tier

966

Loan-to-Share Ratio

balance_sheet

Value: 47.77%

Peer Median: 71.88%

#966 of 1070 Bottom 9.8% in 100M-500M tier

962

Deposit Growth Rate

growth

Value: -1.98%

Peer Median: 3.30%

#962 of 1070 Bottom 10.2% in 100M-500M tier

938

Asset Growth Rate

growth

Value: -0.87%

Peer Median: 3.91%

#938 of 1070 Bottom 12.4% in 100M-500M tier

806

AMR Growth Rate

growth

Value: 0.55%

Peer Median: 3.46%

#806 of 1070 Bottom 24.8% in 100M-500M tier