PEOPLES
Charter #64140 · Webster City, IA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.13% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.56% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.89% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.65% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 91.81% sits at the 89th 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 | $93.60M | 90th pct | 61th pct |
| Members | 5,644 | 59th pct | 31th pct |
| Net worth ratio | 10.19% | 23th pct | 34th pct |
| Return on average assets | -0.13% | 12th pct | 8th pct |
| Net interest margin | 3.98% | 65th pct | 52th pct |
| Cost of funds | 0.56% | 27th pct | 20th pct |
| Loan-to-share | 74.17% | 75th pct | 56th pct |
| Delinquency 60+ days | 1.89% | 92th pct | 87th pct |
| Net charge-off ratio | 1.65% | 96th pct | 97th pct |
| Loan growth YoY | 1.63% | 76th pct | 54th pct |
| Share growth YoY | 3.21% | 55th pct | 41th pct |
| Efficiency ratio | 91.81% | 85th pct | 89th pct |
structural peer set hash: d8e42a41fb9648fc0613bb7c567f38c9… (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.