Federal credit union · SHELTON, Washington · NCUA charter #665
Peninsula Community
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $307.5M
- Total assets
- 21,455
- Members
- 9.6%
- Net-worth ratio
Peninsula Community - Share Insurance Coverage
Charter #665's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peninsula Community - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)97
- Asset quality (delinquency)82
- Earnings (ROA)93
- Member growth65
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.64% | 30% |
| Delinquency Rate | 0.96% | 25% |
| Return on Assets | 0.43% | 15% |
| Member Growth | 0.62% | 15% |
| Loan-to-Share Ratio | 78.38% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $307.5M | 21,455 |
| 2024Q4 | $291.1M | 21,323 |
| 2023Q4 | $293.8M | 20,976 |
Credit Union Details
- Charter Number
- 665
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Washington
- City
- SHELTON
- Data Quarter
- 2025Q4
What This Data Says About Peninsula Community
The five-factor composite scores Peninsula Community at 88/100 (Excellent), reflecting a net worth ratio of 9.64% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in SHELTON, Washington, reports 21,455 members, $307.5M in total assets, and $211.0M in outstanding loans as of Q4 2025 under charter #665 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Two more numbers round out the picture: a 0.96% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers - and a 78.38% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.43% on net income of $1.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.62%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Washington
A look at other Washington credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Peninsula Community financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Peninsula Community's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.64% net worth ratio and 0.96% delinquency rate are the key drivers.
How does Peninsula Community compare to other credit unions?
PlainCU's health composite puts Peninsula Community at 88/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Peninsula Community?
Peninsula Community 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 Peninsula Community directly for the exact boundaries and application steps.
Is my money safe at Peninsula Community?
Federal credit unions like Peninsula Community 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. Peninsula Community's net worth ratio of 9.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Peninsula Community offer compared to banks?
Credit unions like Peninsula Community 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 Peninsula Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.