Federal credit union · Amarillo, Texas · NCUA charter #8290
The People's
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $221.2M
- Total assets
- 18,822
- Members
- 9.0%
- Net-worth ratio
The People's scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $221.2M; members 18,822; net-worth ratio 8.99%; health rank #3,609 of 4,374; healthier than 17th of scored peers.
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NCUA 5300 Call Report Masthead
#3,609 of 4,374 health · 2025Q4The People's · health 70/100 · $221.2M · 2025Q4
Call Report peers
The People's in the assets neighbourhood
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The People's vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The People's sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where The People's diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 72.90% vs peer 72.20% (+0.70 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.12 pp (8.99% vs 12.11%).
The People's in Texas
- Texas health ordinal: #315 of 386.
- Assets rank #98 of 386 inside Texas ($221.2M reported).
- Membership ranks #87 of 386 among Texas CUs with a reported count (18,822 members).
- One place up in Texas, Shared Resources (#314) ties at 70/100; one place down, Greater Texas (#316) ties at 70/100.
How The People's's 5300 filing moved
The People's: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $221.2M (2025Q4) to $224.7M (2026Q1).
- Net-worth ratio shifted +0.02 pp (8.97% → 8.99%).
8.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 70/100 score is built
The People's gives up 30 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 18.0 pts
- Return on Assets 9.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.9 pts
The People's vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.99% | -3.12 pp |
| Delinquency Rate | 1.27% | +0.38 pp |
| Return on Assets | 0.14% | -0.49 pp |
| Member Growth | -9.68% | - |
| Loan-to-Share Ratio | 72.90% | +0.70 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $224.7M | - |
| 2025Q4 | $221.2M | 18,822 |
| 2024Q4 | $210.3M | 20,840 |
| 2023Q4 | $205.7M | 22,107 |
Credit Union Details
- Charter Number
- 8290
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Amarillo
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, The People's runs 5 offices in 3 different cities.
| Office | City |
|---|---|
| Hill (Main Office) | Amarillo, TX |
| pcos | Amarillo, TX |
| plnt | Amarillo, TX |
| cnyn | Canyon, TX |
| chld | Childress, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
The People's nationwide neighbourhoods
Using this data
- The People's ranks #3,609 of 4,374 nationally on financial health and #315 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Santa Fe is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Santa Fe
Frequently Asked Questions
Is The People's financially healthy?
The People's has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,609 of 4,374 nationally on health and #315 of 386 in Texas. Its net worth ratio is 8.99% and its delinquency rate 1.27%.
How does The People's compare to other credit unions?
The People's scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (72.90% vs 72.20%). Its widest shortfall is net worth ratio (8.99% vs 12.11%).
How can I join The People's?
The People's 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 The People's directly for the exact boundaries and application steps.
Is my money safe at The People's?
The People's 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. The People's's net worth ratio of 8.99% 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.