BlastPoint's Credit Union Scorecard
PEOPLES
Charter #64140 · IA
PEOPLES has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 1.9% in tier
- + Total Deposits: Top 2.3% in tier
- + Total Assets: Top 3.4% in tier
- + Total Members: Top 7.4% in tier
- + Fee Income Per Member: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Delinquency rate 1.31% above tier average
- - Member decline: -8.5% YoY
- - Indirect Auto Concentration (%): Bottom 3.2% in tier
- - Member Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,501
-8.5% YoY-2.7% QoQ
|
+3.9K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Top 7.5% in tier |
| Assets |
$90.9M
-0.3% YoY-0.9% QoQ
|
+$61.0M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Top 3.5% in tier |
| Loans |
$60.6M
-8.0% YoY+0.9% QoQ
|
+$44.9M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Top 2.0% in tier |
| Deposits |
$80.5M
+0.7% YoY-0.8% QoQ
|
+$55.0M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 2.4% in tier |
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| ROA |
0.1%
-118.2% YoY-56.9% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
3.9%
+11.2% YoY+0.0% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
75.6%
-11.5% YoY+3.0% QoQ
|
-5.8% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
43% |
| Delinquency Rate |
2.8%
+12.5% YoY-13.4% QoQ
|
+1.3 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Top 13.2% in tier |
| Loan To Share |
75.3%
-8.7% YoY+1.7% QoQ
|
+14.1% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$21,705
+5.8% YoY+2.7% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 15.0% in tier |
| CD Concentration |
33.2%
+0.6% YoY+2.6% QoQ
|
+8.8% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
37.2%
-10.1% YoY+1.7% QoQ
|
+23.3% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
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)