THE PEOPLES
Charter #65861 · Middletown, RI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.22% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.66% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.59% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.83% sits at the 85th 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 | THE PEOPLES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $801.95M | 70th pct | 34th pct |
| Members | 41,028 | 48th pct | 31th pct |
| Net worth ratio | 10.01% | 43th pct | 51th pct |
| Return on average assets | 0.22% | 17th pct | 21th pct |
| Net interest margin | 2.66% | 6th pct | 20th pct |
| Cost of funds | 0.59% | 15th pct | 8th pct |
| Loan-to-share | 103.04% | 97th pct | 85th pct |
| Delinquency 60+ days | 0.40% | 29th pct | 34th pct |
| Net charge-off ratio | 0.02% | 1th pct | 2th pct |
| Loan growth YoY | -2.70% | 13th pct | 12th pct |
| Share growth YoY | 2.39% | 26th pct | 40th pct |
| Efficiency ratio | 90.83% | 93th pct | 85th pct |
structural peer set hash: 81176f67a507affa718a8e19f1257cb0… (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.