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
- CAMELS 24/100
- HEALTH -20.9%
- NW 15.96%
- DELQ -4.11%
- ROA $2.7M
- ASSETS 1,805
- MEM #4,373/4,374
- RANK n/a
- PHOTO 24940
Call Report peers
People Trust Community carries $2.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
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.
Peer-gap read for People Trust Community
- Net Worth Ratio trails the peer set - -20.90% here, 19.06% peer average (-39.96 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
People Trust Community: 2024Q4 → 2025Q4
People Trust Community: total assets by quarter
3 Call Report filings on this page's own vintage chain
- 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%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
-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
Each segment is a pillar's weighted contribution to the composite; widths sum to 24.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for People Trust Community, both outside Arkansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (24/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Arkansas credit unions compare overall before assuming this one is typical. Arkansas 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 Trust Community financially healthy?
People Trust Community scores 24/100 (Weak) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,373 of 4,374; by total assets it ranks #4,080 of 4,374 nationally (same basis as /rankings/largest); and #43 of 48 within Arkansas. 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.
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.