PEOPLE'S COMMUNITY
Charter #24713 · VANCOUVER, WA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.71% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.66% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.41% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
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 | PEOPLE'S COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $279.32M | 70th pct | 67th pct |
| Members | 10,432 | 35th pct | 48th pct |
| Net worth ratio | 14.71% | 84th pct | 82th pct |
| Return on average assets | 0.86% | 61th pct | 56th pct |
| Net interest margin | 2.66% | 6th pct | 16th pct |
| Cost of funds | 0.87% | 32th pct | 26th pct |
| Loan-to-share | 47.77% | 10th pct | 18th pct |
| Delinquency 60+ days | 2.41% | 97th pct | 95th pct |
| Net charge-off ratio | 0.00% | 5th pct | 5th pct |
| Loan growth YoY | -0.04% | 47th pct | 59th pct |
| Share growth YoY | 2.83% | 41th pct | 44th pct |
| Efficiency ratio | 72.70% | 30th pct | 38th pct |
structural peer set hash: 2efa110de929ae212e4d6d0c62876e3b… (reproducible)
Closest structural peers
This is the free public view
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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.