State credit union · Southfield, Michigan · NCUA charter #61068
People Driven
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $497.4M
- Total assets
- 25,362
- Members
- 9.9%
- Net-worth ratio
People Driven scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $497.4M; members 25,362; net-worth ratio 9.91%; health rank #993 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#993 of 4,374 health · 2025Q4People Driven · health 91/100 · $497.4M · 2025Q4
Call Report peers
People Driven in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
People Driven vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); People Driven sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
People Driven vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 86.94% here, 72.20% peer average (+14.74 pp).
- Largest lag: Net Worth Ratio at 9.91% vs peer 12.11% (-2.20 pp).
Where People Driven sits in Michigan
- Michigan health ordinal: #43 of 171.
- Assets rank #45 of 171 inside Michigan ($497.4M reported).
- Michigan membership ordinal: #52 of 171.
- One place up in Michigan, LOC (#42) ties at 91/100; one place down, ADVIA (#44) ties at 91/100.
Quarter path for People Driven
People Driven: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $497.4M (2025Q4) to $514.8M (2026Q1).
- Net-worth ratio shifted -0.45 pp (10.36% → 9.91%).
At 9.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
People Driven gives up 9 points in total. Member Growth costs the most, 8.2 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 15.0 pts
People Driven vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.91% | -2.20 pp |
| Delinquency Rate | 0.56% | -0.33 pp |
| Return on Assets | 0.72% | +0.10 pp |
| Member Growth | -1.23% | - |
| Loan-to-Share Ratio | 86.94% | +14.74 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $514.8M | - |
| 2025Q4 | $497.4M | 25,362 |
| 2024Q4 | $470.8M | 25,677 |
| 2023Q4 | $456.9M | 26,734 |
Credit Union Details
- Charter Number
- 61068
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Southfield
- Data Quarter
- 2025Q4
Branch Locations (5)
People Driven operates 5 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Southfield, MI |
| Livonia Branch | Livonia, MI |
| Romeo Branch | Romeo, MI |
| Eastside Branch | Warren, MI |
| Ypsilanti Branch | Ypsilanti, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- People Driven ranks #993 of 4,374 nationally on financial health and #43 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- JOLT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with JOLT
Frequently Asked Questions
Is People Driven financially healthy?
On its 2025Q4 NCUA 5300 filing, People Driven scores 91/100 (Excellent), with a 9.91% net worth ratio and 0.56% of loans delinquent. It ranks #993 of 4,374 nationally on health and #43 of 171 in Michigan.
How does People Driven compare to other credit unions?
People Driven scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.94% vs 72.20%). Its widest shortfall is net worth ratio (9.91% vs 12.11%).
How can I join People Driven?
Membership eligibility for People Driven depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact People Driven directly for current membership requirements and application steps.
Is my money safe at People Driven?
People Driven is a state-chartered 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. People Driven's net worth ratio of 9.91% 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.