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
Call Report peers
The Peoples in the assets neighbourhood
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The Peoples vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Peoples sits in 75-79 with 502 others.
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: 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%).
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).
- One place up in Rhode Island, Cumberland Municipal Employees (#11) ties at 79/100; one place down, Cranston Municipal Employees (#13) scores 78/100, 1 point lower.
How The Peoples's 5300 filing moved
The Peoples: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $807.9M (2025Q4) to $801.9M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.00% → 10.01%).
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
The Peoples gives up 21 points in total. Return on Assets costs the most, 7.9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is The Peoples financially healthy?
The Peoples has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,886 of 4,374 nationally on health and #12 of 14 in Rhode Island. Its net worth ratio is 10.01% and its delinquency rate 0.40%.
How does The Peoples compare to other credit unions?
The Peoples scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (106.26% vs 83.90%). Its widest shortfall is net worth ratio (10.01% vs 11.18%).
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?
The Peoples is a state-chartered 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 Peoples's net worth ratio of 10.01% 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.