BlastPoint's Credit Union Scorecard
THE PEOPLES
Charter #65861 · RI
THE PEOPLES has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does RI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 57.2% in tier
- + Net Charge-Off Rate: Top 0.9% in tier
- + Loan-to-Share Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.6% in tier
- - Institutional Decline: Bottom 6.0% in tier
- - Efficiency Drag: Bottom 9.1% in tier
- - Credit Quality Pressure: Bottom 19.6% in tier
- - Stagnation Risk: Bottom 76.2% in tier
- - Membership Headwinds: Bottom 76.2% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 16.09% above tier (higher cost structure)
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in Rhode Island.
- Shares and deposits +3.1% year over year ($639M in shares and deposits).
- Membership: 40,885 members, -2.3% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 0.26%.
- Efficiency ratio 90.63% vs a 74.54% peer average.
- Loan-to-share ratio 102.01% vs a 82.60% 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 (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,885
-2.3% YoY-0.3% QoQ
|
-11.6K |
52,482
+1.3% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$811.2M
+1.5% YoY+1.2% QoQ
|
$-52.8M |
$863.9M
+0.5% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$652.0M
-2.1% YoY-0.3% QoQ
|
+$44.2M |
$607.8M
+2.1% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$639.1M
+3.1% YoY+0.7% QoQ
|
$-100.8M |
$739.9M
+0.2% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.1% in tier |
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| ROA |
0.3%
+167.2% YoY+16.8% QoQ
|
-0.6% |
0.8%
+30.4% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.4% in tier |
| NIM |
2.7%
+22.2% YoY+1.7% QoQ
|
-0.8% |
3.5%
+6.2% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio |
90.6%
-5.9% YoY-0.2% QoQ
|
+16.1% |
74.5%
-1.4% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
0.6%
+111.1% YoY+42.6% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
41% |
| Loan To Share |
102.0%
-5.1% YoY-1.0% QoQ
|
+19.4% |
82.6%
+1.9% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
Top 6.3% in tier |
| AMR |
$31,578
+2.8% YoY+0.5% QoQ
|
+$3K |
$28,702
+0.4% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
24.8%
-7.1% YoY+0.9% QoQ
|
+0.2% | 24.6% | 27.0% | 20.0% | 51% |
| Indirect Auto % |
14.8%
-12.8% YoY-4.3% QoQ
|
+1.1% | 13.6% | 10.6% | 7.7% | 62% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)