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
- PHOTO 48/100
- BOOK 10.2%
- CHARTER 3.49%
- NCUSIF -0.56%
- CAMELS $90.4M
- HEALTH 5,700
- NW #4,291/4,374
- DELQ State Highway Patrol
- ROA 64140
Call Report peers
PEOPLES in the assets neighbourhood
PEOPLES's $90.4M assets sit next to State Highway Patrol ($90.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
48 2nd percentile higher than 2% 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
PEOPLES - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #64140. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PEOPLES: 2025Q4 → 2026Q1
PEOPLES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $90.4M (2025Q4) to $93.6M (2026Q1).
- Net-worth ratio shifted -0.39 pp (10.58% → 10.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 48.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
PEOPLES's nationwide photo peers by assets and by health score, excluding Iowa charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($90.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (48/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 PEOPLES financially healthy?
PEOPLES has a financial health score of 48/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,291 of 4,374; by total assets it ranks #1,918 of 4,374 nationally (same basis as /rankings/largest); and #33 of 66 within Iowa. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.19% and delinquency rate of 3.49%.
How does PEOPLES compare to other credit unions?
48/100 is PEOPLES's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like PEOPLES 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. PEOPLES's net worth ratio of 10.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PEOPLES offer compared to banks?
Credit unions like PEOPLES 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 PEOPLES 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.