The Peoples

Middletown, RI · 2 · Charter #65861 · www.peoplescu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$807.9M
88th percentile
Members
41,380
76th percentile
Total loans
$665.0M
94th percentile
Total shares
$625.8M
82th percentile

Profitability

Return on assets
-0.41%
2th percentile
Net interest margin
2.32%
4th percentile
Efficiency ratio
58.51%
53th percentile
Non-interest income ratio
14.41%
24th percentile

Capital & Risk

Net worth ratio
9.88%
32th percentile
Delinquency rate
0.40%
79th percentile
Net charge-off rate
0.03%
98th percentile
Loan-to-share
106.26%
95th percentile

Growth

Member growth YoY
-0.10%
43th percentile
Asset growth YoY
8.15%
75th percentile
Loan growth YoY
9.66%
79th percentile
Share growth YoY
8.04%
79th percentile

Operations

Members / branch
6,897
81th percentile
Assets / member
$19,525
73th percentile
Field of membership penetration
3.69%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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