PEOPLES
Charter #66155 · SPRINGFIELD, CO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.64% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.90% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.23% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 43rd — a 23-point gap showing why the peer definition matters.
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 | $73.72M | 55th pct | 41th pct |
| Members | 3,578 | 20th pct | 43th pct |
| Net worth ratio | 19.36% | 89th pct | 70th pct |
| Return on average assets | 1.64% | 88th pct | 84th pct |
| Net interest margin | 4.90% | 95th pct | 89th pct |
| Cost of funds | 0.23% | 11th pct | 5th pct |
| Loan-to-share | 99.15% | 99th pct | 77th pct |
| Delinquency 60+ days | 0.23% | 22th pct | 26th pct |
| Net charge-off ratio | 0.18% | 42th pct | 59th pct |
| Loan growth YoY | 2.32% | 81th pct | 67th pct |
| Share growth YoY | 0.71% | 24th pct | 30th pct |
| Efficiency ratio | 68.76% | 24th pct | 36th pct |
structural peer set hash: f78e979b629bb234cb36915ed2a111c2… (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.