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
- DELQ 91/100
- ROA 9.9%
- ASSETS 0.56%
- MEM 0.72%
- RANK $497.4M
- PHOTO 25,362
- BOOK #993/4,374
- CHARTER Memphis City Employees
- NCUSIF 61068
Call Report peers
People Driven in the assets neighbourhood
People Driven's $497.4M assets sit next to Memphis City Employees ($496.6M) 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.
People Driven 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
91 Top 23% higher than 77% 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
People Driven - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61068: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for People Driven
People Driven: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $497.4M (2025Q4) to $514.8M (2026Q1).
- Net-worth ratio shifted -0.45 pp (10.36% → 9.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
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).
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
Cross-state asset and health neighbours for People Driven - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($497.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 People Driven financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, People Driven carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #993 of 4,374; by total assets it ranks #750 of 4,374 nationally (same basis as /rankings/largest); and #45 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.91% net worth ratio and a 0.56% delinquency rate.
How does People Driven compare to other credit unions?
PlainCU's health composite puts People Driven at 91/100, 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 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?
Federal credit unions like People Driven 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. People Driven's net worth ratio of 9.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does People Driven offer compared to banks?
Credit unions like People Driven 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 People Driven 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.