THE PEOPLES

Charter #65861 | RI

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in RI

THE PEOPLES has 4 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.7% in tier
  • + Wallet Share Momentum: Top 5.0% in tier
  • + Net Charge-Off Rate: Top 1.8% in tier
  • + Loan-to-Share Ratio: Top 1.8% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.1% in tier
  • - Liquidity Strain: Bottom 0.8% in tier
  • - Indirect Auto Dependency: Bottom 18.9% in tier
  • - ROA 0.54% below tier average
  • - Efficiency ratio 20.70% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 4.5% in tier
  • - First Mortgage Concentration (%): Bottom 5.4% in tier
  • - Total Deposits: Bottom 5.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (RI) National Avg Tier Percentile
Members 41,834
-0.0% YoY-0.0% QoQ
 -10.3K 52,114
-2.1% YoY
 35,904
+9.4% YoY
 33,089
+6.1% YoY
 28th in tier
Assets $810.4M
+8.1% YoY+1.4% QoQ
 $-48.6M $859.0M
+0.0% YoY
 $771.6M
+10.6% YoY
 $547.7M
+7.8% YoY
 28th in tier
Loans $672.1M
+11.9% YoY+0.9% QoQ
 +$68.7M $603.4M
+1.0% YoY
 $651.4M
+12.0% YoY
 $388.7M
+8.6% YoY
 70th in tier
Deposits $619.9M
+7.4% YoY+0.0% QoQ
 $-114.3M $734.2M
+0.9% YoY
 $641.8M
+11.9% YoY
 $464.6M
+9.3% YoY
 Bottom 4.5% in tier
ROA 0.2%
+38.7% YoY+69.3% QoQ
 -0.5% 0.7%
+27.6% YoY
 0.5%
-21.3% YoY
 0.7%
+273.4% YoY
 Bottom 14.3% in tier
NIM 2.2%
+7.2% YoY+1.1% QoQ
 -1.1% 3.4%
+9.6% YoY
 2.9%
+1.1% YoY
 3.7%
+5.0% YoY
 Bottom 3.6% in tier
Efficiency Ratio 95.2%
-1.0% YoY-1.1% QoQ
 +20.7% 74.5%
-3.2% YoY
 83.0%
+4.4% YoY
 79.1%
-3.3% YoY
 Top 3.6% in tier
Delinquency Rate 0.4%
-14.6% YoY+48.6% QoQ
 -0.4 0.8%
+5.0% YoY
 0.5%
-36.2% YoY
 1.2%
-0.9% YoY
 Bottom 20.5% in tier
Loan To Share 108.4%
+4.2% YoY+0.9% QoQ
 +25.8% 82.7%
+0.1% YoY
 78.6%
+0.3% YoY
 68.0%
-1.7% YoY
 Top 2.7% in tier
AMR $30,883
+9.7% YoY+0.5% QoQ
 +$2K $28,651
+2.5% YoY
 $26,126
+7.2% YoY
 $19,418
+1.3% YoY
 69th in tier
CD Concentration 26.1%
+8.4% YoY-2.0% QoQ
 +1.7% 24.4%
+4.2% YoY
 27.4%
+6.5% YoY
 19.6%
+6.2% YoY
 56th in tier
Indirect Auto % 17.0%
+0.3% YoY+0.6% QoQ
 +3.1% 14.0%
-5.8% YoY
 10.6%
+7.4% YoY
 7.9%
-2.9% YoY
 66th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#19 of 1006 • Top 0.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.69%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#140 of 1006 • Top 5.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.69%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Efficiency Drag

risk
#2 of 521 • Bottom 0.1% in tier

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

Why This Signature
Efficiency Ratio: 95.22%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.05% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.01%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk
#7 of 258 • Bottom 0.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 108.43%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 11.87%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#304 of 525 • Bottom 18.9% in tier

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

Why This Signature
Asset Growth (YoY): 8.07%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 17.03%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.01%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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)

Comparing against 112 peers in tier

Top Strengths (7 metrics)

3
Net Charge-Off Rate
risk
Value: 0.02%
Peer Avg: 0.61%
#3 of 112 Top 1.8% in 750M-1B tier
3
Loan-to-Share Ratio
balance_sheet
Value: 108.43%
Peer Avg: 82.66%
#3 of 112 Top 1.8% in 750M-1B tier
13
AMR Growth Rate
growth
Value: 9.69%
Peer Avg: 4.90%
#13 of 112 Top 10.7% in 750M-1B tier
18
Loan Growth Rate
growth
Value: 11.87%
Peer Avg: 4.84%
#18 of 112 Top 15.2% in 750M-1B tier
21
Loan-to-Member Ratio (LMR)
engagement
Value: $16,066
Peer Avg: $12,810
#21 of 112 Top 17.9% in 750M-1B tier
24
Total Delinquency Rate (60+ days)
risk
Value: 0.40%
Peer Avg: 0.82%
#24 of 112 Top 20.5% in 750M-1B tier
25
Asset Growth Rate
growth
Value: 8.07%
Peer Avg: 4.25%
#25 of 112 Top 21.4% in 750M-1B tier

Top Weaknesses (6 metrics)

109
Efficiency Ratio
profitability
Value: 95.22%
Peer Avg: 74.52%
#109 of 112 Bottom 3.6% in 750M-1B tier
108
Net Interest Margin (NIM)
profitability
Value: 2.25%
Peer Avg: 3.38%
#108 of 112 Bottom 4.5% in 750M-1B tier
107
First Mortgage Concentration (%)
balance_sheet
Value: 57.73%
Peer Avg: 33.64%
#107 of 112 Bottom 5.4% in 750M-1B tier
107
Total Deposits
balance_sheet
Value: $619.86M
Peer Avg: $734.17M
#107 of 112 Bottom 5.4% in 750M-1B tier
96
Return on Assets (ROA)
profitability
Value: 0.17%
Peer Avg: 0.71%
#96 of 112 Bottom 15.2% in 750M-1B tier
94
Fee Income Per Member
profitability
Value: $137.75
Peer Avg: $204.75
#94 of 112 Bottom 17.0% in 750M-1B tier