BlastPoint's Credit Union Scorecard
PEOPLES
Charter #64140 · IA
<100M
2508 CUs in <100M nationally
37 in IA
PEOPLES has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 1.1% in tier
- + Total Deposits: Top 1.4% in tier
- + AMR Growth Rate: Top 2.2% in tier
- + Total Assets: Top 2.3% in tier
- + Loan-to-Member Ratio (LMR): Top 5.9% in tier
- + Fee Income Per Member: Top 7.4% in tier
- + Average Member Relationship (AMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency ratio 1.17% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
- - Member decline: -17.4% YoY
- - Member Growth Rate: Bottom 2.5% in tier
- - Indirect Auto Concentration (%): Bottom 3.1% in tier
- - Net Charge-Off Rate: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,644
-17.4% YoY-1.0% QoQ
|
+3.0K |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
Top 10.3% in tier |
| Assets |
$93.6M
+2.2% YoY+3.6% QoQ
|
+$63.4M |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
Top 2.4% in tier |
| Loans |
$61.6M
+0.8% YoY-0.7% QoQ
|
+$46.3M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Top 1.1% in tier |
| Deposits |
$83.1M
+3.3% YoY+3.8% QoQ
|
+$57.3M |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
Top 1.5% in tier |
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| ROA |
-0.1%
-117.7% YoY-175.5% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
3.9%
+3.3% YoY-3.0% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
91.8%
+32.6% YoY+20.8% QoQ
|
+1.2% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
1.9%
-4.3% YoY-46.0% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
74.2%
-2.5% YoY-4.4% QoQ
|
+15.7% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$25,634
+23.7% YoY+2.8% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
Top 7.7% in tier |
| CD Concentration |
32.8%
+4.8% YoY-3.5% QoQ
|
+8.5% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % |
34.8%
-12.8% YoY-4.1% QoQ
|
+21.0% | 13.8% | 9.2% | 7.7% | 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)
28
Total Loans
balance_sheet
Value:
$61.61M
Peer Median: $9.48M
#28 of 2508
Top 1.1% in <100M tier
37
Total Deposits
balance_sheet
Value:
$83.07M
Peer Median: $18.77M
#37 of 2508
Top 1.4% in <100M tier
55
AMR Growth Rate
growth
Value:
23.69%
Peer Median: 1.27%
#55 of 2508
Top 2.2% in <100M tier
59
Total Assets
balance_sheet
Value:
$93.60M
Peer Median: $21.86M
#59 of 2508
Top 2.3% in <100M tier
150
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,916
Peer Median: $4,923
#150 of 2508
Top 5.9% in <100M tier
187
Fee Income Per Member
profitability
Value:
$176.13
Peer Median: $60.42
#187 of 2508
Top 7.4% in <100M tier
193
Average Member Relationship (AMR)
engagement
Value:
$25,634
Peer Median: $13,926
#193 of 2508
Top 7.7% in <100M tier
259
Total Members
engagement
Value:
5,644
Peer Median: 1,918
#259 of 2508
Top 10.3% in <100M tier
Top Weaknesses (8 metrics)
2447
Member Growth Rate
growth
Value:
-17.36%
Peer Median: -1.37%
#2447 of 2508
Bottom 2.5% in <100M tier
2430
Indirect Auto Concentration (%)
balance_sheet
Value:
34.76%
Peer Median: 0.00%
#2430 of 2508
Bottom 3.1% in <100M tier
2301
Net Charge-Off Rate
risk
Value:
1.65%
Peer Median: 0.07%
#2301 of 2508
Bottom 8.3% in <100M tier
2161
Share Certificate Concentration (%)
balance_sheet
Value:
32.76%
Peer Median: 12.45%
#2161 of 2508
Bottom 13.9% in <100M tier
2139
First Mortgage Concentration (%)
balance_sheet
Value:
37.98%
Peer Median: 3.66%
#2139 of 2508
Bottom 14.8% in <100M tier
2038
Return on Assets (ROA)
profitability
Value:
-0.13%
Peer Median: 0.61%
#2038 of 2508
Bottom 18.8% in <100M tier
2037
Net Worth Ratio
risk
Value:
10.19%
Peer Median: 14.28%
#2037 of 2508
Bottom 18.8% in <100M tier
1995
Total Delinquency Rate (60+ days)
risk
Value:
1.89%
Peer Median: 0.65%
#1995 of 2508
Bottom 20.5% in <100M tier