People's

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$23.8M

68^th percentile

Members

3,728

92^th percentile

Total loans

$10.2M

66^th percentile

Total shares

$18.9M

66^th percentile

Profitability

Return on assets

0.54%

37^th percentile

Net interest margin

3.24%

25^th percentile

Efficiency ratio

73.74%

36^th percentile

Non-interest income ratio

21.23%

84^th percentile

Capital & Risk

Net worth ratio

20.14%

74^th percentile

Delinquency rate

1.29%

35^th percentile

Net charge-off rate

1.15%

14^th percentile

Loan-to-share

54.04%

41^th percentile

Growth

Member growth YoY

-0.77%

57^th percentile

Asset growth YoY

0.95%

49^th percentile

Loan growth YoY

-3.39%

48^th percentile

Share growth YoY

1.06%

54^th percentile

Operations

Members / branch

3,728

96^th percentile

Assets / member

$6,382

26^th percentile

Field of membership penetration

37.28%

52^th percentile

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