Federal credit union · Petersburg, Virginia · NCUA charter #17464
Peoples Advantage
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $111.6M
- Total assets
- 9,316
- Members
- 22.3%
- Net-worth ratio
Peoples Advantage scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $111.6M; members 9,316; net-worth ratio 22.30%; health rank #2,204 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,204 of 4,374 health · 2025Q4Peoples Advantage · health 83/100 · $111.6M · 2025Q4
Call Report peers
Peoples Advantage in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Peoples Advantage vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Peoples Advantage sits in 80-84 with 767 others.
83 46th percentile higher than 46% 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 Advantage vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +10.19 pp (22.30% vs 12.11%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.50 pp (68.70% vs 72.20%).
Peoples Advantage in Virginia
- Health composite ranks #38 of 95 among scored Virginia credit unions.
- By total assets, Peoples Advantage is #45 of 95 in Virginia.
- Member book place in Virginia: #42 of 95.
- One place up in Virginia, Augusta County (#37) ties at 83/100; one place down, N a E (#39) ties at 83/100.
How Peoples Advantage's 5300 filing moved
Peoples Advantage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $111.6M (2025Q4) to $115.8M (2026Q1).
- Net-worth ratio shifted +0.87 pp (21.43% → 22.30%).
22.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Peoples Advantage gives up 17 points in total. Delinquency Rate costs the most, 12 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 14.9 pts
Peoples Advantage vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.30% | +10.19 pp |
| Delinquency Rate | 1.93% | +1.04 pp |
| Return on Assets | 0.84% | +0.22 pp |
| Member Growth | 0.93% | - |
| Loan-to-Share Ratio | 68.70% | -3.50 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Peoples Advantage quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $115.8M | - |
| 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
Branch Locations (5)
Per its most recent NCUA branch filing, Peoples Advantage runs 5 offices in 4 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Petersburg, VA |
| Colonial Heights Office | Colonial Heights, VA |
| Member Drive Technologies (MDT) | Farmington Hills, MI |
| Financial Empowerment Center Petersburg | Petersburg, VA |
| Financial Empowerment Center Richmond | Richmond, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Other-state peers near Peoples Advantage
Similar total assets
Similar health score
Using this data
- Peoples Advantage ranks #2,204 of 4,374 nationally on financial health and #38 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Roanoke Valley Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Roanoke Valley Community
Frequently Asked Questions
Is Peoples Advantage financially healthy?
Peoples Advantage has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,204 of 4,374 nationally on health and #38 of 95 in Virginia. Its net worth ratio is 22.30% and its delinquency rate 1.93%.
How does Peoples Advantage compare to other credit unions?
Peoples Advantage scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (22.30% vs 12.11%). Its widest shortfall is loan-to-share ratio (68.70% vs 72.20%).
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?
Peoples Advantage is a federal 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 Advantage's net worth ratio of 22.30% 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.