| Metric | Peoples Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.7 pts |
| Loan growth (YoY) | +8.6% | -2.4% | +10.9 pts |
| ROA | 1.64% | 0.60% | +1.0 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $73.7M | $59.1M | $58.6M | $14.3M | $303K | 1.64% | 4.90% | 0.23% | 3,578 |
| Q4 2025 | $73.5M | $59.1M | $59.6M | $14.0M | $1.1M | 1.56% | 4.65% | 0.39% | 3,578 |
| Q3 2025 | $72.8M | $58.7M | $57.2M | $13.7M | $849K | 1.56% | 4.60% | 0.08% | 3,627 |
| Q2 2025 | $75.5M | $61.7M | $55.6M | $13.4M | $544K | 1.44% | 4.30% | 0.03% | 3,632 |
| Q1 2025 | $73.2M | $59.7M | $53.9M | $13.1M | $217K | 1.18% | 4.19% | 0.03% | 3,634 |
| Q4 2024 | $70.2M | $56.9M | $56.7M | $12.8M | $202K | 0.29% | 4.08% | 0.04% | 3,613 |
| Q3 2024 | $67.1M | $54.0M | $54.9M | $12.7M | $42K | 0.08% | 4.23% | 0.03% | 3,598 |
| Q2 2024 | $67.3M | $53.9M | $53.1M | $13.0M | $375K | 1.11% | 4.11% | 0.73% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Peoples Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% |
Peer lists, growth filters, CSV export, CRM push.
| 3,615 |
Loan mix (Q1 2026): real estate $22.4M · commercial $23.0M · consumer $9.1M · securities $7.3M
| 81.5% |
| — |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Peoples Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Peoples Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Peoples Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Peoples Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Peoples Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Baca, CO, ranked 3rd with 17.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Baca, CO | 1 | $30.9M* | 17.30% | 3rd |
| Prowers, CO | 1 | $30.9M* | 5.78% | 6th |
Colorado: 155th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2