BlastPoint's Credit Union Scorecard
THE PEOPLES
Charter #65861 · RI
THE PEOPLES has 4 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 32.5% in tier
- + Wallet Share Momentum: Top 32.5% 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
- - Liquidity Strain: Bottom 1.7% in tier
- - Efficiency Drag: Bottom 12.3% in tier
- - Credit Quality Pressure: Bottom 45.0% in tier
- - Indirect Auto Dependency: Bottom 52.4% in tier
- - Credit Risk Growth: Bottom 53.4% in tier
- - Membership Headwinds: Bottom 65.4% in tier
- - Stagnation Risk: Bottom 65.4% in tier
- - ROA 0.54% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,028
-1.2% YoY-0.9% QoQ
|
-10.5K |
51,500
+0.7% YoY
|
36,204
+9.0% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$801.9M
+3.8% YoY-0.7% QoQ
|
$-63.7M |
$865.6M
+0.9% YoY
|
$787.6M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$654.0M
+2.7% YoY-1.7% QoQ
|
+$58.7M |
$595.3M
+1.6% YoY
|
$657.2M
+10.2% YoY
|
$402.4M
+8.7% YoY
|
65% |
| Deposits |
$634.7M
+5.9% YoY+1.4% QoQ
|
$-107.5M |
$742.2M
+0.6% YoY
|
$658.7M
+12.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.8% in tier |
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| ROA |
0.2%
+4.0% QoQ
|
-0.5% |
0.8%
+45.0% YoY
|
0.4%
+126.0% YoY
|
0.4%
-39.2% YoY
|
15% |
| NIM |
2.7%
+21.1% YoY+15.2% QoQ
|
-0.8% |
3.5%
+6.1% YoY
|
3.0%
+2.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio |
90.8%
-8.9% YoY-3.1% QoQ
|
+15.3% |
75.5%
-3.4% YoY
|
87.4%
-0.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate |
0.4%
+12.8% YoY-1.3% QoQ
|
-0.3 |
0.7%
-0.1% YoY
|
0.4%
-7.6% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
103.0%
-3.1% YoY-3.0% QoQ
|
+22.4% |
80.6%
+0.7% YoY
|
77.1%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Top 3.4% in tier |
| AMR |
$31,409
+5.5% YoY+0.7% QoQ
|
+$3K |
$28,908
+0.7% YoY
|
$26,738
+8.0% YoY
|
$19,920
+1.6% YoY
|
69% |
| CD Concentration |
24.5%
-9.9% YoY-3.4% QoQ
|
+0.2% | 24.3% | 27.4% | 19.8% | 51% |
| Indirect Auto % |
15.4%
-3.8% YoY-5.5% QoQ
|
+1.6% | 13.8% | 10.6% | 7.7% | 63% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)