BlastPoint's Credit Union Scorecard
PEOPLES
Charter #64140 · IA
2556 CUs in <100M nationally
39 in IA
PEOPLES has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Total Loans: Top 1.6% in tier
- + AMR Growth Rate: Top 2.0% in tier
- + Total Deposits: Top 2.8% in tier
- + Total Assets: Top 3.9% in tier
- + Loan-to-Member Ratio (LMR): Top 6.2% in tier
- + Fee Income Per Member: Top 8.3% in tier
- + Average Member Relationship (AMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Delinquency rate 1.94% above tier average
- - Member decline: -18.2% YoY
- - Member Growth Rate: Bottom 2.0% in tier
- - Indirect Auto Concentration (%): Bottom 3.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,700
-18.2% YoY-12.3% QoQ
|
+3.1K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Top 10.4% in tier |
| Assets |
$90.4M
+1.4% YoY-0.5% QoQ
|
+$60.2M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Top 3.9% in tier |
| Loans |
$62.1M
-2.6% YoY+2.4% QoQ
|
+$46.3M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Top 1.6% in tier |
| Deposits |
$80.0M
+2.4% YoY-0.6% QoQ
|
+$54.3M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 2.9% in tier |
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| ROA |
0.2%
-129.7% YoY+14.2% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
4.0%
+9.5% YoY+2.6% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
76.0%
-11.3% YoY+0.5% QoQ
|
-6.5% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
3.5%
+49.1% YoY+23.8% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
Top 10.5% in tier |
| Loan To Share |
77.6%
-4.9% YoY+3.0% QoQ
|
+17.0% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$24,927
+22.5% YoY+14.8% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 8.4% in tier |
| CD Concentration |
34.0%
+9.5% YoY+2.2% QoQ
|
+9.5% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
36.3%
-11.2% YoY-2.7% QoQ
|
+22.5% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (8 metrics)
41
Total Loans
balance_sheet
Value:
$62.07M
Peer Median: -
#41 of 2556
Top 1.6% in <100M tier
52
AMR Growth Rate
growth
Value:
22.46%
Peer Median: -
#52 of 2556
Top 2.0% in <100M tier
73
Total Deposits
balance_sheet
Value:
$80.01M
Peer Median: -
#73 of 2556
Top 2.8% in <100M tier
100
Total Assets
balance_sheet
Value:
$90.39M
Peer Median: -
#100 of 2556
Top 3.9% in <100M tier
160
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,890
Peer Median: -
#160 of 2556
Top 6.2% in <100M tier
214
Fee Income Per Member
profitability
Value:
$188.17
Peer Median: -
#214 of 2556
Top 8.3% in <100M tier
214
Average Member Relationship (AMR)
engagement
Value:
$24,927
Peer Median: -
#214 of 2556
Top 8.3% in <100M tier
267
Total Members
engagement
Value:
5,700
Peer Median: -
#267 of 2556
Top 10.4% in <100M tier
Top Weaknesses (8 metrics)
2505
Member Growth Rate
growth
Value:
-18.20%
Peer Median: -
#2505 of 2556
Bottom 2.0% in <100M tier
2474
Indirect Auto Concentration (%)
balance_sheet
Value:
36.26%
Peer Median: -
#2474 of 2556
Bottom 3.2% in <100M tier
2288
Total Delinquency Rate (60+ days)
risk
Value:
3.49%
Peer Median: -
#2288 of 2556
Bottom 10.5% in <100M tier
2265
Net Charge-Off Rate
risk
Value:
1.29%
Peer Median: -
#2265 of 2556
Bottom 11.4% in <100M tier
2227
Share Certificate Concentration (%)
balance_sheet
Value:
33.96%
Peer Median: -
#2227 of 2556
Bottom 12.9% in <100M tier
2153
First Mortgage Concentration (%)
balance_sheet
Value:
35.88%
Peer Median: -
#2153 of 2556
Bottom 15.8% in <100M tier
2017
Net Worth Ratio
risk
Value:
10.58%
Peer Median: -
#2017 of 2556
Bottom 21.1% in <100M tier
1947
Return on Assets (ROA)
profitability
Value:
0.17%
Peer Median: -
#1947 of 2556
Bottom 23.9% in <100M tier