State credit union · Webster City, Iowa · NCUA charter #64140
PEOPLES
Health score 48/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 48
- Health / 100
- $90.4M
- Total assets
- 5,700
- Members
- 10.2%
- Net-worth ratio
PEOPLES scores 48/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $90.4M; members 5,700; net-worth ratio 10.19%; health rank #4,291 of 4,374; healthier than 2nd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,291 of 4,374 health · 2025Q4PEOPLES · health 48/100 · $90.4M · 2025Q4
Call Report peers
PEOPLES in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PEOPLES vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PEOPLES sits in 45-49 with 39 others.
48 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PEOPLES vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 77.58% here, 62.60% peer average (+14.98 pp).
- Net Worth Ratio trails the peer set - 10.19% here, 13.62% peer average (-3.43 pp).
Where PEOPLES sits in Iowa
- Iowa health ordinal: #65 of 66.
- By total assets, PEOPLES is #33 of 66 in Iowa.
- Member book place in Iowa: #34 of 66.
- One place up in Iowa, FIRST (#64) scores 54/100, 6 points higher; one place down, Teamsters Local #238 (#66) ties at 48/100.
PEOPLES: 2025Q4 → 2026Q1
PEOPLES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $90.4M (2025Q4) to $93.6M (2026Q1).
- Net-worth ratio shifted -0.39 pp (10.58% → 10.19%).
10.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 48/100 score is built
PEOPLES gives up 52 points in total. Delinquency Rate costs the most, 21.8 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.2 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for PEOPLES
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.19% | -3.43 pp |
| Delinquency Rate | 3.49% | +2.53 pp |
| Return on Assets | -0.56% | -1.22 pp |
| Member Growth | -18.20% | - |
| Loan-to-Share Ratio | 77.58% | +14.98 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $93.6M | - |
| 2025Q4 | $90.4M | 5,700 |
| 2024Q4 | $89.1M | 6,968 |
| 2023Q4 | $87.5M | 7,712 |
Credit Union Details
- Charter Number
- 64140
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Iowa
- City
- Webster City
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for PEOPLES, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Webster City, IA |
| Fort Dodge | Fort Dodge, IA |
| Lehigh | Lehigh, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Other-state peers near PEOPLES
Using this data
- PEOPLES ranks #4,291 of 4,374 nationally on financial health and #65 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- JOURNEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with JOURNEY
Frequently Asked Questions
Is PEOPLES financially healthy?
On its 2025Q4 NCUA 5300 filing, PEOPLES scores 48/100 (Below Average), with a 10.19% net worth ratio and 3.49% of loans delinquent. It ranks #4,291 of 4,374 nationally on health and #65 of 66 in Iowa.
How does PEOPLES compare to other credit unions?
PEOPLES scores 48/100, higher than 2% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (77.58% vs 62.60%). Its widest shortfall is net worth ratio (10.19% vs 13.62%).
How can I join PEOPLES?
Membership eligibility for PEOPLES depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PEOPLES directly for current membership requirements and application steps.
Is my money safe at PEOPLES?
PEOPLES 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. PEOPLES's net worth ratio of 10.19% 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.