State credit union · RAYNE, Louisiana · NCUA charter #62564
PEOPLE'S
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $23.8M
- Total assets
- 3,728
- Members
- 19.4%
- Net-worth ratio
PEOPLE'S scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.8M; members 3,728; net-worth ratio 19.36%; health rank #3,386 of 4,374; healthier than 21st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,386 of 4,374 health · 2025Q4PEOPLE'S · health 73/100 · $23.8M · 2025Q4
Call Report peers
PEOPLE'S in the assets neighbourhood
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PEOPLE'S vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PEOPLE'S sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PEOPLE'S vs $10M–$50M peers
- Net Worth Ratio leads the peer set - 19.36% here, 14.86% peer average (+4.50 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.76 pp (54.04% vs 59.80%).
Where PEOPLE'S sits in Louisiana
- In Louisiana, health place is #87 of 138 on the same NCUA-ratio sort used nationally.
- Assets rank #67 of 138 inside Louisiana ($23.8M reported).
- Membership ranks #54 of 138 among Louisiana CUs with a reported count (3,728 members).
- One place up in Louisiana, UNION (#86) ties at 73/100; one place down, River Region (#88) ties at 73/100.
PEOPLE'S: 2025Q4 → 2026Q1
PEOPLE'S: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $23.8M (2025Q4) to $24.8M (2026Q1).
- Net-worth ratio shifted -0.78 pp (20.14% → 19.36%).
19.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
PEOPLE'S gives up 27 points in total. Return on Assets costs the most, 8.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.8 pts
- Return on Assets 6.1 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 11.5 pts
PEOPLE'S health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.36% | +4.50 pp |
| Delinquency Rate | 1.29% | +0.15 pp |
| Return on Assets | 0.04% | -0.67 pp |
| Member Growth | -0.77% | - |
| Loan-to-Share Ratio | 54.04% | -5.76 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.8M | - |
| 2025Q4 | $23.8M | 3,728 |
| 2024Q4 | $23.6M | 3,757 |
| 2023Q4 | $24.5M | 3,738 |
Credit Union Details
- Charter Number
- 62564
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- RAYNE
- Data Quarter
- 2025Q4
Branch Location
PEOPLE'S operates a single office in Rayne, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| People's Credit Union (Main Office) | Rayne, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- PEOPLE'S ranks #3,386 of 4,374 nationally on financial health and #87 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FELICIANA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FELICIANA
Frequently Asked Questions
Is PEOPLE'S financially healthy?
On its 2025Q4 NCUA 5300 filing, PEOPLE'S scores 73/100 (Very Good), with a 19.36% net worth ratio and 1.29% of loans delinquent. It ranks #3,386 of 4,374 nationally on health and #87 of 138 in Louisiana.
How does PEOPLE'S compare to other credit unions?
PEOPLE'S scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (19.36% vs 14.86%). Its widest shortfall is loan-to-share ratio (54.04% vs 59.80%).
How can I join PEOPLE'S?
Membership eligibility for PEOPLE'S depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PEOPLE'S directly for current membership requirements and application steps.
Is my money safe at PEOPLE'S?
PEOPLE'S 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'S's net worth ratio of 19.36% 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.