Federal credit union · NEW YORK, New York · NCUA charter #24232
Lower East Side People's
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $87.0M
- Total assets
- 8,792
- Members
- 20.0%
- Net-worth ratio
Lower East Side People's scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $87.0M; members 8,792; net-worth ratio 20.04%; health rank #4,154 of 4,374; healthier than 5th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,154 of 4,374 health · 2025Q4Lower East Side People's · health 56/100 · $87.0M · 2025Q4
- HEALTH 56/100
- NW 20.0%
- DELQ 4.09%
- ROA 0.25%
- ASSETS $87.0M
- MEM 8,792
- RANK #4,154/4,374
- PHOTO Sheboygan Area
- BOOK 24232
Call Report peers
Lower East Side People's in the assets neighbourhood
Lower East Side People's's $87.0M assets sit next to Sheboygan Area ($87.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lower East Side People's vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
56 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Lower East Side People's - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24232. See our deposit-insurance coverage note.
Peer-gap read for Lower East Side People's
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +24.27 pp (86.87% vs 62.60%).
- Largest lag: Delinquency Rate at 4.09% vs peer 0.96% (+3.13 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Lower East Side People's
- Health composite ranks #253 of 272 among scored New York credit unions.
- By total assets, Lower East Side People's is #101 of 272 in New York.
- New York membership ordinal: #79 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Lower East Side People's's 5300 filing moved
Lower East Side People's: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $87.0M (2025Q4) to $90.3M (2026Q1).
- Net-worth ratio shifted -0.64 pp (20.68% → 20.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 20.04% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 56/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 56.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 11.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
Lower East Side People's vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.04% | +6.42 pp |
| Delinquency Rate | 4.09% | +3.13 pp |
| Return on Assets | 0.25% | -0.41 pp |
| Member Growth | -5.95% | - |
| Loan-to-Share Ratio | 86.87% | +24.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Lower East Side People's filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $90.3M | - |
| 2025Q4 | $87.0M | 8,792 |
| 2024Q4 | $89.6M | 9,348 |
| 2023Q4 | $88.4M | 9,679 |
Credit Union Details
- Charter Number
- 24232
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- NEW YORK
- Data Quarter
- 2025Q4
Branch Locations (5)
Lower East Side People's operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| LESPFCU MAIN BRANCH (Main Office) | NEW YORK, NY |
| Bronx Satellite branch | Bronx, NY |
| Neighborhood Trust FCU | New York, NY |
| East Harlem Branch | New York, NY |
| North Shore branch | Staten Island, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for Lower East Side People's
Cross-state asset and health neighbours for Lower East Side People's - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($87.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (56/100 here).
Using this data
- Lower East Side People's ranks #4,154 of 4,374 nationally on financial health and #253 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RADIUS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RADIUS
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Lower East Side People's financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Lower East Side People's carries a financial health score of 56/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,154 of 4,374; by total assets it ranks #1,947 of 4,374 nationally (same basis as /rankings/largest); and #101 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 20.04% net worth ratio and a 4.09% delinquency rate.
How does Lower East Side People's compare to other credit unions?
Lower East Side People's scores 56/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Lower East Side People's?
Lower East Side People's operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Lower East Side People's directly for the exact boundaries and application steps.
Is my money safe at Lower East Side People's?
Federal credit unions like Lower East Side People's are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Lower East Side People's's net worth ratio of 20.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lower East Side People's offer compared to banks?
Credit unions like Lower East Side People's are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Lower East Side People's directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.