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
Call Report peers
Lower East Side People's in the assets neighbourhood
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Lower East Side People's vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Lower East Side People's sits in 55-59 with 115 others.
56 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, St. Philip's Church (#252) scores 57/100, 1 point higher; one place down, I R E B (#254) ties at 56/100.
How Lower East Side People's's 5300 filing moved
Lower East Side People's: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $87.0M (2025Q4) to $90.3M (2026Q1).
- Net-worth ratio shifted -0.64 pp (20.68% → 20.04%).
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
Lower East Side People's gives up 44 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Lower East Side People's financially healthy?
On its 2025Q4 NCUA 5300 filing, Lower East Side People's scores 56/100 (Fair), with a 20.04% net worth ratio and 4.09% of loans delinquent. It ranks #4,154 of 4,374 nationally on health and #253 of 272 in New York.
How does Lower East Side People's compare to other credit unions?
Lower East Side People's scores 56/100, higher than 5% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (86.87% vs 62.60%). Its widest shortfall is delinquency rate (4.09% vs 0.96%).
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?
Lower East Side People's is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.