Federal credit union · VANCOUVER, Washington · NCUA charter #24713
People's Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $280.6M
- Total assets
- 10,497
- Members
- 14.7%
- Net-worth ratio
People's Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $280.6M; members 10,497; net-worth ratio 14.71%; health rank #1,603 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,603 of 4,374 health · 2025Q4People's Community · health 87/100 · $280.6M · 2025Q4
- NCUSIF 87/100
- CAMELS 14.7%
- HEALTH 0.00%
- NW 0.78%
- DELQ $280.6M
- ROA 10,497
- ASSETS #1,603/4,374
- MEM Advantage Plus
- RANK 24713
Call Report peers
People's Community in the assets neighbourhood
People's Community's $280.6M assets sit next to Advantage Plus ($280.6M) 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.
People's Community 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
87 Top 40% higher than 60% 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
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.
Peer-gap read for People's Community
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +2.60 pp (14.71% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 47.21% vs peer 72.20% (-24.99 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Washington standing for People's Community
- In Washington, health place is #34 of 75 on the same NCUA-ratio sort used nationally.
- By total assets, People's Community is #31 of 75 in Washington.
- Member book place in Washington: #34 of 75.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
People's Community Call Report trajectory
People's Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $280.6M (2025Q4) to $279.3M (2026Q1).
- Net-worth ratio shifted +0.03 pp (14.68% → 14.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 10.3 pts
People's Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.71% | +2.60 pp |
| Delinquency Rate | 0.00% | -0.89 pp |
| Return on Assets | 0.78% | +0.15 pp |
| Member Growth | -1.27% | - |
| Loan-to-Share Ratio | 47.21% | -24.99 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - People's Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $279.3M | - |
| 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
Branch Locations (5)
Per its most recent NCUA branch filing, People's Community runs 5 offices in 3 different cities.
| Office | City |
|---|---|
| Hazel Dell (Main Office) | Vancouver, WA |
| Battle Ground | Battle Ground, WA |
| Ridgefield | Ridgefield, WA |
| Fishers Landing | Vancouver, WA |
| Waterfront | Vancouver, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match and asset size.
Cross-state Call Report peers for People's Community
People's Community's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($280.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- People's Community ranks #1,603 of 4,374 nationally on financial health and #34 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Puget Sound Cooperative is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Puget Sound Cooperative
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,603 of 4,374; by total assets it ranks #1,069 of 4,374 nationally (same basis as /rankings/largest); and #31 of 75 within Washington. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.71% 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 14.71% 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.
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.