BlastPoint's Credit Union Scorecard

THE PEOPLES

Charter #65861 · RI

Community 750M-1B

117 CUs in 750M-1B nationally 2 in RI

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THE PEOPLES has 4 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

RI Analysis

How does RI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 18.0% in tier
+ Wallet Share Momentum: Top 36.3% in tier
+ Net Charge-Off Rate: Top 2.6% in tier
+ Loan-to-Share Ratio: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 0.9% in tier
- Liquidity Strain: Bottom 4.0% in tier
- Indirect Auto Dependency: Bottom 64.8% in tier
- Credit Risk Growth: Bottom 67.0% in tier
- Credit Quality Pressure: Bottom 94.2% in tier
- ROA 0.53% below tier average
- Efficiency ratio 19.44% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 5.1% in tier
- First Mortgage Concentration (%): Bottom 5.1% in tier
- Total Deposits: Bottom 6.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	41,380 -0.1% YoY-1.1% QoQ	-10.7K	52,084 -1.6% YoY	35,881 +9.1% YoY	33,374 +5.7% YoY	27%
Assets	$807.9M +8.2% YoY-0.3% QoQ	$-55.9M	$863.9M +0.5% YoY	$774.2M +10.8% YoY	$561.6M +9.7% YoY	31%
Loans	$665.0M +9.7% YoY-1.1% QoQ	+$59.1M	$605.8M +1.4% YoY	$651.4M +11.4% YoY	$397.0M +8.8% YoY	67%
Deposits	$625.8M +8.0% YoY+1.0% QoQ	$-111.5M	$737.3M +0.1% YoY	$643.2M +11.9% YoY	$477.3M +9.7% YoY	Bottom 6.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% +246.7% YoY+29.9% QoQ	-0.5%	0.7% +39.1% YoY	0.5% -9.1% YoY	0.7% +15.9% YoY	16%
NIM	2.3% +9.5% YoY+3.2% QoQ	-1.1%	3.4% +8.7% YoY	3.0% +1.1% YoY	3.8% +5.1% YoY	Bottom 4.3% in tier
Efficiency Ratio	93.8% -5.1% YoY-1.5% QoQ	+19.4%	74.3% -3.6% YoY	84.1% +1.5% YoY	79.7% -3.3% YoY	Top 2.6% in tier
Delinquency Rate	0.4% +5.2% YoY+0.9% QoQ	-0.5	0.9% +3.8% YoY	0.5% -30.0% YoY	1.3% -2.1% YoY	20%
Loan To Share	106.3% +1.5% YoY-2.0% QoQ	+23.7%	82.6% +1.1% YoY	78.0% +0.8% YoY	67.4% -1.7% YoY	Top 3.4% in tier
AMR	$31,192 +9.0% YoY+1.0% QoQ	+$2K	$28,873 +2.7% YoY	$26,466 +8.1% YoY	$19,687 +2.0% YoY	68%
CD Concentration	25.4% -2.1% YoY-2.8% QoQ	+1.0%	24.4%	27.7%	19.8%	54%
Indirect Auto %	16.3% +2.7% YoY-4.2% QoQ	+2.5%	13.8%	10.6%	7.8%	65%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#49 of 268 • Top 18.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.98%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#187 of 513 • Top 36.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.98%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#6 of 538 • Bottom 0.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.79%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -0.10%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Liquidity Strain

risk

#10 of 228 • Bottom 4.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 106.26%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 9.66%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#328 of 506 • Bottom 64.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.15%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 16.32%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.10%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Risk Growth

risk

#306 of 456 • Bottom 67.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.66%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#664 of 705 • Bottom 94.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | 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 117 peers in tier

Top Strengths (6 metrics)

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: -

#4 of 117 Top 2.6% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 106.26%

Peer Median: -

#4 of 117 Top 2.6% in 750M-1B tier

AMR Growth Rate

growth

Value: 8.98%

Peer Median: -

#19 of 117 Top 15.4% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,069

Peer Median: -

#22 of 117 Top 17.9% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.40%

Peer Median: -

#24 of 117 Top 19.7% in 750M-1B tier

Loan Growth Rate

growth

Value: 9.66%

Peer Median: -

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (6 metrics)

115

Efficiency Ratio

profitability

Value: 93.79%

Peer Median: -

#115 of 117 Bottom 2.6% in 750M-1B tier

112

Net Interest Margin (NIM)

profitability

Value: 2.32%

Peer Median: -

#112 of 117 Bottom 5.1% in 750M-1B tier

112

First Mortgage Concentration (%)

balance_sheet

Value: 58.24%

Peer Median: -

#112 of 117 Bottom 5.1% in 750M-1B tier

110

Total Deposits

balance_sheet

Value: $625.79M

Peer Median: -

#110 of 117 Bottom 6.8% in 750M-1B tier

101

Fee Income Per Member

profitability

Value: $136.14

Peer Median: -

#101 of 117 Bottom 14.5% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Median: -

#98 of 117 Bottom 17.1% in 750M-1B tier