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
Call Report peers
Peoples Transport in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Peoples Transport sits in 80-84 with 767 others.
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 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).
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.
- One place up in New Jersey, Energy People (#26) ties at 84/100; one place down, H. E. Telephone (#28) scores 83/100, 1 point lower.
Peoples Transport Call Report trajectory
Peoples Transport: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $11.8M (2025Q4) to $11.6M (2026Q1).
- Net-worth ratio shifted -0.57 pp (10.76% → 10.19%).
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
Peoples Transport gives up 16 points in total. Return on Assets costs the most, 7.5 of its 15; Net Worth Ratio and Member Growth score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Peoples Transport financially healthy?
On its 2025Q4 NCUA 5300 filing, Peoples Transport scores 84/100 (Excellent), with a 10.19% net worth ratio and 1.31% of loans delinquent. It ranks #2,154 of 4,374 nationally on health and #27 of 127 in New Jersey.
How does Peoples Transport compare to other credit unions?
Peoples Transport scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (63.60% vs 59.80%). Its widest shortfall is net worth ratio (10.19% vs 14.86%).
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?
Peoples Transport 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 Transport's net worth ratio of 10.19% 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.