Federal credit union · North Little Ro, Arkansas · NCUA charter #24940
People Trust Community
Health score 24/100, grade F (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 scores 24/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.7M; members 1,805; net-worth ratio -20.90%; health rank #4,373 of 4,374; healthier than 0th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,373 of 4,374 health · 2025Q4People Trust Community · health 24/100 · $2.7M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
People Trust Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); People Trust Community sits in 20-24 with 0 others.
24 0th percentile in the bottom 1% 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
Peer-gap read for People Trust Community
- Net Worth Ratio trails the peer set - -20.90% here, 19.06% peer average (-39.96 pp).
People Trust Community in Arkansas
- In Arkansas, health place is #48 of 48 on the same NCUA-ratio sort used nationally.
- Arkansas assets place: #43 of 48.
- Membership ranks #29 of 48 among Arkansas CUs with a reported count (1,805 members).
- No scored Arkansas credit union ranks lower; the next one up, Two Rivers (#47) scores 46/100, 22 points higher.
People Trust Community: 2024Q4 → 2025Q4
People Trust Community: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- Assets moved -45.0% from $4.8M (2024Q4) to $2.7M (2025Q4).
- Membership moved +58.8% from 1,137 to 1,805 over the same window.
- Net-worth ratio shifted -28.65 pp (7.75% → -20.90%).
-20.90% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 24/100 score is built
People Trust Community gives up 76 points in total. Net Worth Ratio costs the most, 30 of its 30; Member Growth scores full marks.
- Net Worth Ratio 0.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.0 pts
Call Report ratios for People Trust Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | -20.90% | -39.96 pp |
| Delinquency Rate | 15.96% | +14.15 pp |
| Return on Assets | -4.11% | -4.56 pp |
| Member Growth | 58.75% | - |
| Loan-to-Share Ratio | 33.33% | -30.27 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
People Trust Community filing history
| 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
Nearby Credit Unions in Arkansas
More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.
People Trust Community nationwide neighbourhoods
Similar health score
Using this data
- People Trust Community ranks #4,373 of 4,374 nationally on financial health and #48 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arkansas Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arkansas Teachers
Frequently Asked Questions
Is People Trust Community financially healthy?
People Trust Community has a financial health score of 24/100 (Weak) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,373 of 4,374 nationally on health and #48 of 48 in Arkansas. Its net worth ratio is -20.90% and its delinquency rate 15.96%.
How does People Trust Community compare to other credit unions?
People Trust Community scores 24/100, higher than 0% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (-20.90% vs 19.06%).
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?
People Trust Community is a federal 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 Trust Community's net worth ratio of -20.90% is relative to 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.