Federal credit union · Petersburg, Virginia · NCUA charter #17464
Peoples Advantage
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $111.6M
- Total assets
- 9,316
- Members
- 11.4%
- Net-worth ratio
Peoples Advantage - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17464, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peoples Advantage - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)52
- Earnings (ROA)100
- Member growth67
- Liquidity (loan-to-share)98
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.44% | 30% |
| Delinquency Rate | 1.93% | 25% |
| Return on Assets | 0.84% | 15% |
| Member Growth | 0.93% | 15% |
| Loan-to-Share Ratio | 68.70% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $111.6M | 9,316 |
| 2024Q4 | $103.1M | 9,230 |
| 2023Q4 | $98.4M | 10,358 |
Credit Union Details
- Charter Number
- 17464
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Petersburg
- Data Quarter
- 2025Q4
What This Data Says About Peoples Advantage
9,316 members and $111.6M in total assets sit behind Peoples Advantage, a federal credit union in Petersburg, Virginia, which posts a health score of 83/100 (Excellent) on the five-factor composite, with $58.1M in outstanding loans as of Q4 2025 and a net worth ratio of 11.44% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #17464 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 1.93% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Meanwhile a 68.70% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.84% on net income of $938K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.93%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Peoples Advantage financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Peoples Advantage carries a financial health score of 83/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.44% net worth ratio and a 1.93% delinquency rate.
How does Peoples Advantage compare to other credit unions?
Five weighted metrics from NCUA filings produce Peoples Advantage's 83/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Peoples Advantage?
Peoples Advantage 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 Peoples Advantage directly for the exact boundaries and application steps.
Is my money safe at Peoples Advantage?
Federal credit unions like Peoples Advantage 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 Advantage's net worth ratio of 11.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Peoples Advantage offer compared to banks?
Credit unions like Peoples Advantage 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 Advantage directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.