State credit union · Middletown, Rhode Island · NCUA charter #65861
The Peoples
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $807.9M
- Total assets
- 41,380
- Members
- 8.6%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)88
- Asset quality (delinquency)100
- Earnings (ROA)47
- Member growth59
- Liquidity (loan-to-share)54
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.60% | 30% |
| Delinquency Rate | 0.40% | 25% |
| Return on Assets | 0.06% | 15% |
| Member Growth | -0.10% | 15% |
| Loan-to-Share Ratio | 106.26% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About The Peoples
41,380 members and $807.9M in total assets sit behind The Peoples, a state credit union in Middletown, Rhode Island, which posts a health score of 76/100 (Very Good) on the five-factor composite, with $665.0M in outstanding loans as of Q4 2025 and a net worth ratio of 8.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #65861 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 106.26% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.40% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.06% on net income of $467K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.10%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Rhode Island
Other federally-insured credit unions in Rhode Island, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is The Peoples financially healthy?
Yes/no aside, the number is 76/100 (Very Good) - The Peoples's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.60% 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 76/100 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 8.60% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.