BlastPoint's Credit Union Scorecard
PEOPLES
Charter #64140 · IA
PEOPLES has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 1.2% in tier
- + Total Loans: Top 1.4% in tier
- + Total Deposits: Top 2.3% in tier
- + AMR Growth Rate: Top 3.0% in tier
- + Total Assets: Top 3.3% in tier
- + Loan-to-Member Ratio (LMR): Top 6.3% in tier
- + Average Member Relationship (AMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.28% below tier average
- - Delinquency rate 0.62% above tier average
- - Member decline: -16.3% YoY
- - Member Growth Rate: Bottom 2.6% in tier
- - Indirect Auto Concentration (%): Bottom 3.4% in tier
- - Net Charge-Off Rate: Bottom 4.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Iowa.
- Shares and deposits -0.5% year over year ($80.8M in shares and deposits).
- Membership: 5,593 members, -16.3% vs a year ago.
- Delinquency rate 2.16%.
- Return on assets 0.22%.
- Efficiency ratio 79.11% vs a 88.77% peer average.
- Loan-to-share ratio 75.98% vs a 58.89% 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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,593
-16.3% YoY-0.9% QoQ
|
+3.0K |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 10.5% in tier |
| Assets |
$91.4M
-0.2% YoY-2.3% QoQ
|
+$61.2M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
Top 3.4% in tier |
| Loans |
$61.4M
+2.2% YoY-0.4% QoQ
|
+$45.9M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Top 1.5% in tier |
| Deposits |
$80.8M
-0.5% YoY-2.8% QoQ
|
+$55.0M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
Top 2.4% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-37.0% YoY-269.7% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.6% in tier |
| NIM |
3.9%
-0.7% YoY-0.2% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
79.1%
+7.8% YoY-13.8% QoQ
|
-9.7% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
2.2%
-33.6% YoY+14.7% QoQ
|
+0.6 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
76.0%
+2.6% YoY+2.4% QoQ
|
+17.1% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$25,413
+20.2% YoY-0.9% QoQ
|
+$10K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
Top 8.4% in tier |
| CD Concentration |
33.2%
+2.3% YoY+1.2% QoQ
|
+8.6% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
32.1%
-12.5% YoY-7.8% QoQ
|
+18.4% | 13.6% | 9.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)