PEOPLES
Charter #16993 · Nitro, WV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.15% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.82% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.65% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.55% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.69% sits at the 97th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PEOPLES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $131.29M | 20th pct | 30th pct |
| Members | 10,760 | 36th pct | 46th pct |
| Net worth ratio | 16.15% | 90th pct | 85th pct |
| Return on average assets | 0.78% | 56th pct | 43th pct |
| Net interest margin | 4.82% | 95th pct | 90th pct |
| Cost of funds | 0.65% | 25th pct | 21th pct |
| Loan-to-share | 86.30% | 82th pct | 67th pct |
| Delinquency 60+ days | 1.55% | 90th pct | 84th pct |
| Net charge-off ratio | 1.69% | 97th pct | 97th pct |
| Loan growth YoY | -2.47% | 21th pct | 11th pct |
| Share growth YoY | 4.92% | 70th pct | 61th pct |
| Efficiency ratio | 65.57% | 16th pct | 18th pct |
structural peer set hash: 03915213de68f4e6ef66211c07fe0ceb… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.