State credit union · Middletown, Rhode Island · NCUA charter #65861
The Peoples
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $807.9M
- Total assets
- 41,380
- Members
- 10.0%
- Net-worth ratio
The Peoples scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $807.9M; members 41,380; net-worth ratio 10.01%; health rank #2,886 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,886 of 4,374 health · 2025Q4The Peoples · health 79/100 · $807.9M · 2025Q4
- HEALTH 79/100
- NW 10.0%
- DELQ 0.40%
- ROA 0.06%
- ASSETS $807.9M
- MEM 41,380
- RANK #2,886/4,374
- PHOTO 1st Northern California
- BOOK 65861
Call Report peers
The Peoples in the assets neighbourhood
The Peoples's $807.9M assets sit next to 1st Northern California ($807.7M) 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.
The Peoples 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
79 33rd percentile higher than 33% 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
The Peoples - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65861: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
The Peoples: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 106.26% here, 83.90% peer average (+22.36 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.17 pp (10.01% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
The Peoples in Rhode Island
- In Rhode Island, health place is #12 of 14 on the same NCUA-ratio sort used nationally.
- By total assets, The Peoples is #4 of 14 in Rhode Island.
- Membership ranks #4 of 14 among Rhode Island CUs with a reported count (41,380 members).
In-state ordinals use the live credit_unions table for RI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How The Peoples's 5300 filing moved
The Peoples: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $807.9M (2025Q4) to $801.9M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.00% → 10.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.01%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 7.1 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 8.1 pts
Call Report ratios for The Peoples
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.01% | -1.17 pp |
| Delinquency Rate | 0.40% | -0.47 pp |
| Return on Assets | 0.06% | -0.45 pp |
| Member Growth | -0.10% | - |
| Loan-to-Share Ratio | 106.26% | +22.36 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
The Peoples filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $801.9M | - |
| 2025Q4 | $807.9M | 41,380 |
| 2024Q4 | $747.0M | 41,420 |
| 2023Q4 | $717.6M | 40,170 |
Credit Union Details
- Charter Number
- 65861
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Rhode Island
- City
- Middletown
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for The Peoples, spread across 6 cities.
| Office | City |
|---|---|
| Peoples Credit Union (Main Office) | Middletown, RI |
| Peoples Credit Union | Bristol, RI |
| Peoples Credit Union | N Kingstown, RI |
| Peoples Credit Union | Newport, RI |
| Peoples Credit Union | Portsmouth, RI |
| Peoples Credit Union | Wakefield, RI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Rhode Island
Other federally-insured credit unions in Rhode Island, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
The Peoples's nationwide photo peers by assets and by health score, excluding Rhode Island charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($807.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- The Peoples ranks #2,886 of 4,374 nationally on financial health and #12 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GREENWOOD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GREENWOOD
- Rates and health both vary by institution, not just by state -- see how Rhode Island credit unions compare overall before assuming this one is typical. Rhode Island 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 The Peoples financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - The Peoples'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 #2,886 of 4,374; by total assets it ranks #548 of 4,374 nationally (same basis as /rankings/largest); and #4 of 14 within Rhode Island. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.01% net worth ratio and 0.40% delinquency rate are the key drivers.
How does The Peoples compare to other credit unions?
Five weighted metrics from NCUA filings produce The Peoples's 79/100 score on PlainCU's health composite, compared to a peer group average for Over $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 The Peoples?
Membership eligibility for The Peoples depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact The Peoples directly for current membership requirements and application steps.
Is my money safe at The Peoples?
Federal credit unions like The Peoples 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. The Peoples's net worth ratio of 10.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Peoples offer compared to banks?
Credit unions like The Peoples 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 The Peoples 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.