Federal credit union · VANCOUVER, Washington · NCUA charter #24713
People's Community
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $280.6M
- Total assets
- 10,497
- Members
- 13.8%
- Net-worth ratio
People's Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24713, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
People's Community - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth45
- Liquidity (loan-to-share)68
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.83% 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 | 13.83% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.78% | 15% |
| Member Growth | -1.27% | 15% |
| Loan-to-Share Ratio | 47.21% | 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 | $280.6M | 10,497 |
| 2024Q4 | $274.8M | 10,632 |
| 2023Q4 | $279.3M | 10,862 |
Credit Union Details
- Charter Number
- 24713
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Washington
- City
- VANCOUVER
- Data Quarter
- 2025Q4
What This Data Says About People's Community
Headquartered in VANCOUVER, Washington, People's Community is a federal credit union with 10,497 members, $280.6M in total assets, and $116.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 87/100 (Excellent), driven in part by a net worth ratio of 13.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24713 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 47.21% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.78% on net income of $2.2M 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 -1.27%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match 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 People's Community financially healthy?
People's Community has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.83% and delinquency rate of 0.00%.
How does People's Community compare to other credit unions?
Five weighted metrics from NCUA filings produce People's Community's 87/100 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 People's Community?
People's Community 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 People's Community directly for the exact boundaries and application steps.
Is my money safe at People's Community?
Federal credit unions like People's Community 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. People's Community's net worth ratio of 13.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does People's Community offer compared to banks?
Credit unions like People's Community 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 People's Community 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.