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 12.5% in tier
- + Wallet Share Momentum: Top 29.0% 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
|
28% |
| 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
|
28% |
| 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
|
70% |
| 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 |
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| 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
|
20% |
| 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
|
69% |
| 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
|
56% |
| Indirect Auto % |
17.0%
+0.3% YoY+0.6% QoQ
|
+3.1% |
14.0%
-5.7% YoY
|
10.6%
+7.4% YoY
|
7.9%
-2.9% YoY
|
66% |
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 (3)
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)