BlastPoint's Credit Union Scorecard
PEOPLES
Charter #66155 · CO
PEOPLES demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Net Interest Margin 0.72% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.3% in tier
- + Total Loans: Top 2.2% in tier
- + Average Member Relationship (AMR): Top 2.7% in tier
- + Loan-to-Share Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,578
-1.0% YoY-1.4% QoQ
|
+962 |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$73.5M
+4.8% YoY+1.0% QoQ
|
+$43.4M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 10.8% in tier |
| Loans |
$59.6M
+5.1% YoY+4.0% QoQ
|
+$43.8M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
Top 2.2% in tier |
| Deposits |
$59.1M
+4.0% YoY+0.8% QoQ
|
+$33.4M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 12.9% in tier |
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| ROA |
1.6%
+432.4% YoY+2.7% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
Top 14.4% in tier |
| NIM |
4.7%
+12.0% YoY+3.4% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
69.0%
-9.5% YoY+0.2% QoQ
|
-13.6% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.4%
+772.9% YoY+407.8% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
100.7%
+1.1% YoY+3.2% QoQ
|
+40.1% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Top 4.1% in tier |
| AMR |
$33,172
+5.5% YoY+3.8% QoQ
|
+$18K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
Top 2.7% in tier |
| CD Concentration |
36.3%
-0.9% YoY-1.4% QoQ
|
+11.8% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)