| Metric | Peoples Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -0.5% | +0.9% | -1.4 pts |
| Loan growth (YoY) | +2.2% | -2.6% | +4.8 pts |
| ROA | 0.22% | 0.65% | -0.4 pts |
| ROE | 2.1% | 4.4% | -2.3 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $91.4M | $80.8M | $61.4M | $9.7M | $100K | 0.22% | 3.95% | 2.16% | 5,593 |
| Q1 2026 | $93.6M | $83.1M | $61.6M | $9.5M | $-30K | -0.13% | 3.91% | 1.89% | 5,644 |
| Q4 2025 | $90.4M | $80.0M | $62.1M | $9.6M | $152K | 0.17% | 4.04% | 3.49% | 5,700 |
| Q3 2025 | $90.9M | $80.5M | $60.6M | $9.6M | $101K | 0.15% | 3.95% | 2.82% | 6,501 |
| Q2 2025 | $91.6M | $81.1M | $60.1M | $9.7M | $156K | 0.34% | 3.93% | 3.26% | 6,679 |
| Q1 2025 | $91.6M | $80.4M | $61.1M | $9.7M | $162K | 0.71% | 3.74% | 1.97% | 6,830 |
| Q4 2024 | $89.1M | $78.1M | $63.7M | $9.5M | $-510K | -0.57% | 3.72% | 2.34% | 6,968 |
| Q3 2024 | $91.2M | $79.9M | $65.9M | $9.5M | $-553K | -0.81% | 3.53% | 2.51% |
| Ratio | Peoples Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.4% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,107 |
| Q2 2024 | $91.2M | $79.9M | $65.0M | $9.6M | $-452K | -0.99% | 3.45% | 3.48% | 7,287 |
Loan mix (Q2 2026): real estate $24.8M · commercial $3.5M · consumer $30.9M · securities $10.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 80.6% | 46th |
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 (-1 vs 2025). Biggest market: Hamilton, IA, ranked 4th with 5.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, IA | 1 | $40.4M* | 5.75% | 4th |
| Webster, IA | 1 | $40.4M* | 2.96% | 11th |
Iowa: 253rd with 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2