BlastPoint's Credit Union Scorecard
PEOPLES
Charter #66155 · CO
PEOPLES has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.84% above tier average
- + Net Interest Margin 0.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.5% in tier
- + Total Loans: Top 2.7% in tier
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Loan-to-Share Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,627
+0.8% YoY-0.1% QoQ
|
+1.0K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$72.8M
+8.5% YoY-3.6% QoQ
|
+$42.9M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Top 10.8% in tier |
| Loans |
$57.2M
+4.3% YoY+3.0% QoQ
|
+$41.5M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Top 2.8% in tier |
| Deposits |
$58.7M
+8.6% YoY-5.0% QoQ
|
+$33.2M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Top 12.5% in tier |
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| ROA |
1.5%
+1752.7% YoY+4.4% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
4.5%
+7.1% YoY+3.5% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
68.9%
-8.3% YoY-0.6% QoQ
|
-12.5% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.1%
+204.8% YoY+207.6% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
19% |
| Loan To Share |
97.6%
-4.0% YoY+8.4% QoQ
|
+36.4% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
Top 5.6% in tier |
| AMR |
$31,953
+5.6% YoY-1.0% QoQ
|
+$17K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 3.0% in tier |
| CD Concentration |
36.8%
+7.7% YoY+4.4% QoQ
|
+12.4% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)