State credit union · SPRINGFIELD, Colorado · NCUA charter #66155
PEOPLES
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $73.5M
- Total assets
- 3,578
- Members
- 19.4%
- Net-worth ratio
PEOPLES scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.5M; members 3,578; net-worth ratio 19.36%; health rank #2,055 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,055 of 4,374 health · 2025Q4PEOPLES · health 84/100 · $73.5M · 2025Q4
- RANK 84/100
- PHOTO 19.4%
- BOOK 0.39%
- CHARTER 0.27%
- NCUSIF $73.5M
- CAMELS 3,578
- HEALTH #2,055/4,374
- NW Chattanooga Federal Employees
- DELQ 66155
Call Report peers
PEOPLES in the assets neighbourhood
PEOPLES's $73.5M assets sit next to Chattanooga Federal Employees ($73.6M) 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
84 Top 50% higher than 50% 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
Below: composite supervisory bracket and risk-based capital for charter #66155, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
PEOPLES vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 100.71% here, 62.60% peer average (+38.11 pp).
- Return on Assets trails the peer set - 0.27% here, 0.66% peer average (-0.38 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 Colorado
- In Colorado, health place is #29 of 66 on the same NCUA-ratio sort used nationally.
- By total assets, PEOPLES is #43 of 66 in Colorado.
- Membership ranks #45 of 66 among Colorado CUs with a reported count (3,578 members).
In-state ordinals use the live credit_unions table for CO 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 +0.2% from $73.5M (2025Q4) to $73.7M (2026Q1).
- Net-worth ratio shifted +0.36 pp (19.00% → 19.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 19.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.6 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 10.1 pts
Call Report ratios for PEOPLES
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.36% | +5.74 pp |
| Delinquency Rate | 0.39% | -0.57 pp |
| Return on Assets | 0.27% | -0.38 pp |
| Member Growth | -0.97% | - |
| Loan-to-Share Ratio | 100.71% | +38.11 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 | $73.7M | - |
| 2025Q4 | $73.5M | 3,578 |
| 2024Q4 | $70.2M | 3,613 |
| 2023Q4 | $66.4M | 3,582 |
Credit Union Details
- Charter Number
- 66155
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Colorado
- City
- SPRINGFIELD
- Data Quarter
- 2025Q4
Branch Locations (2)
PEOPLES operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main office (Main Office) | Springfield, CO |
| Branch office | Lamar, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
A look at other Colorado credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for PEOPLES, both outside Colorado so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($73.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- PEOPLES ranks #2,055 of 4,374 nationally on financial health and #29 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northern Colorado is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northern Colorado
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado 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 scores 84/100 (Excellent) 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 #2,055 of 4,374; by total assets it ranks #2,093 of 4,374 nationally (same basis as /rankings/largest); and #43 of 66 within Colorado. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.36% net worth ratio and a 0.39% delinquency rate.
How does PEOPLES compare to other credit unions?
84/100 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 19.36% 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.