Federal credit union · MOUNT EPHRAIM, New Jersey · NCUA charter #12956
Peoples Transport
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $11.8M
- Total assets
- 1,609
- Members
- 10.2%
- Net-worth ratio
Peoples Transport scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.8M; members 1,609; net-worth ratio 10.19%; health rank #2,154 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,154 of 4,374 health · 2025Q4Peoples Transport · health 84/100 · $11.8M · 2025Q4
- RANK 84/100
- PHOTO 10.2%
- BOOK 1.31%
- CHARTER 0.07%
- NCUSIF $11.8M
- CAMELS 1,609
- HEALTH #2,154/4,374
- NW Metropolitan Services
- DELQ 12956
Call Report peers
Peoples Transport in the assets neighbourhood
Peoples Transport's $11.8M assets sit next to Metropolitan Services ($11.8M) 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 Transport 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 Transport - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #12956. See our deposit-insurance coverage note.
Peoples Transport vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +3.80 pp (63.60% vs 59.80%).
- Largest lag: Net Worth Ratio at 10.19% vs peer 14.86% (-4.67 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Peoples Transport: in-state Call Report ranks
- In New Jersey, health place is #27 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, Peoples Transport is #77 of 127 in New Jersey.
- Member book place in New Jersey: #68 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Peoples Transport Call Report trajectory
Peoples Transport: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $11.8M (2025Q4) to $11.6M (2026Q1).
- Net-worth ratio shifted -0.57 pp (10.76% → 10.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 17.7 pts
- Return on Assets 7.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.8 pts
Call Report ratios for Peoples Transport
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.19% | -4.67 pp |
| Delinquency Rate | 1.31% | +0.16 pp |
| Return on Assets | 0.07% | -0.64 pp |
| Member Growth | 19.45% | - |
| Loan-to-Share Ratio | 63.60% | +3.80 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.6M | - |
| 2025Q4 | $11.8M | 1,609 |
| 2024Q4 | $10.8M | 1,347 |
| 2023Q4 | $10.5M | 1,350 |
Credit Union Details
- Charter Number
- 12956
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- MOUNT EPHRAIM
- Data Quarter
- 2025Q4
Branch Location
Peoples Transport operates a single office in Mount Ephraim, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Peoples Transport FCU (Main Office) | Mount Ephraim, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
- ERIE LACKAWANNA RAILROAD CO EMPHoboken, NJ · $10M–$50M81Health
- JERSEY CITY FIREMENJersey City, NJ · $10M–$50M78Health
- WAKEFERNElizabeth, NJ · $10M–$50M84Health
- P S ESomerset, NJ · $10M–$50M74Health
- GOYA FOODS EMPLOYEESJersey City, NJ · $10M–$50M84Health
Compare Peoples Transport vs ERIE LACKAWANNA RAILROAD CO EMP
Cross-state Call Report peers for Peoples Transport
Peoples Transport's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Peoples Transport ranks #2,154 of 4,374 nationally on financial health and #27 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Erie Lackawanna Railroad Co Emp is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Erie Lackawanna Railroad Co Emp
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey 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 Transport financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Peoples Transport's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,154 of 4,374; by total assets it ranks #3,466 of 4,374 nationally (same basis as /rankings/largest); and #77 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.19% net worth ratio and 1.31% delinquency rate are the key drivers.
How does Peoples Transport compare to other credit unions?
Five weighted metrics from NCUA filings produce Peoples Transport's 84/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Transport?
Peoples Transport serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Peoples Transport directly for the current list of qualifying groups.
Is my money safe at Peoples Transport?
Federal credit unions like Peoples Transport 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 Transport's net worth ratio of 10.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Peoples Transport offer compared to banks?
Credit unions like Peoples Transport 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 Transport 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.