Federal credit union · North Little Ro, Arkansas · NCUA charter #24940
People Trust Community
Health score 24/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 24
- Health / 100
- $2.7M
- Total assets
- 1,805
- Members
- -20.9%
- Net-worth ratio
People Trust Community - Share Insurance Coverage
Charter #24940'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.
People Trust Community - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)0
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth100
- Liquidity (loan-to-share)60
Weighted composite: 24/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
-20.90% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | -20.90% | 30% |
| Delinquency Rate | 15.96% | 25% |
| Return on Assets | -4.11% | 15% |
| Member Growth | 58.75% | 15% |
| Loan-to-Share Ratio | 33.33% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.7M | 1,805 |
| 2024Q4 | $4.8M | 1,137 |
| 2023Q4 | $4.4M | 445 |
Credit Union Details
- Charter Number
- 24940
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Arkansas
- City
- North Little Ro
- Data Quarter
- 2025Q4
What This Data Says About People Trust Community
Charter #24940, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's People Trust Community, a federal credit union in North Little Ro, Arkansas with 1,805 members, $2.7M in total assets, and $1.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 24/100 (Weak), helped by a net worth ratio of -20.90% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 15.96% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. The loan-to-share ratio of 33.33% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -4.11% on net income of $-108879 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 58.75%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Arkansas
More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.
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 People Trust Community financially healthy?
People Trust Community scores 24/100 (Weak) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a -20.90% net worth ratio and a 15.96% delinquency rate.
How does People Trust Community compare to other credit unions?
Five weighted metrics from NCUA filings produce People Trust Community's 24/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Trust Community?
People Trust 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 People Trust Community directly for the exact boundaries and application steps.
Is my money safe at People Trust Community?
Federal credit unions like People Trust 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. People Trust Community's net worth ratio of -20.90% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does People Trust Community offer compared to banks?
Credit unions like People Trust 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 People Trust 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.