Federal credit union · SHELTON, Washington · NCUA charter #665
Peninsula Community
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $307.5M
- Total assets
- 21,455
- Members
- 11.6%
- Net-worth ratio
Peninsula Community scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $307.5M; members 21,455; net-worth ratio 11.57%; health rank #1,281 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,281 of 4,374 health · 2025Q4Peninsula Community · health 89/100 · $307.5M · 2025Q4
- CHARTER 89/100
- NCUSIF 11.6%
- CAMELS 0.96%
- HEALTH 0.43%
- NW $307.5M
- DELQ 21,455
- ROA #1,281/4,374
- ASSETS Texoma Community
- MEM 665
Call Report peers
Peninsula Community in the assets neighbourhood
Peninsula Community's $307.5M assets sit next to Texoma Community ($307.6M) 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.
Peninsula Community 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
89 Top 31% higher than 69% 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
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.
Peer-gap read for Peninsula Community
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +6.18 pp (78.38% vs 72.20%).
- Net Worth Ratio trails the peer set - 11.57% here, 12.11% peer average (-0.54 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Peninsula Community in Washington
- In Washington, health place is #28 of 75 on the same NCUA-ratio sort used nationally.
- Washington assets place: #30 of 75.
- Membership ranks #27 of 75 among Washington CUs with a reported count (21,455 members).
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Peninsula Community Call Report trajectory
Peninsula Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $307.5M (2025Q4) to $306.4M (2026Q1).
- Net-worth ratio shifted +0.06 pp (11.51% → 11.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 13.9 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 15.0 pts
Peninsula Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.57% | -0.54 pp |
| Delinquency Rate | 0.96% | +0.06 pp |
| Return on Assets | 0.43% | -0.20 pp |
| Member Growth | 0.62% | - |
| Loan-to-Share Ratio | 78.38% | +6.18 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Peninsula Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $306.4M | - |
| 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
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Peninsula Community, spread across 5 cities.
| Office | City |
|---|---|
| Shelton Administrative Office and Branch Location (Main Office) | Shelton, WA |
| Belfair Branch | Belfair, WA |
| Port Orchard Branch | Port Orchard, WA |
| Port Townsend | Port Townsend, WA |
| Poulsbo Branch | Poulsbo, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for Peninsula Community
Two NCUA Call Report peer sets for Peninsula Community, both outside Washington so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($307.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Peninsula Community ranks #1,281 of 4,374 nationally on financial health and #28 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northwest Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northwest Plus
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington 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 Peninsula Community financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Peninsula Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,281 of 4,374; by total assets it ranks #1,026 of 4,374 nationally (same basis as /rankings/largest); and #30 of 75 within Washington. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.57% 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 89/100, 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 11.57% 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.
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.