# PEOPLES
Nitro, WV · NCUA charter 16993 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/peoples-16993

Who the members are: federal charter, community charter, organized 1965, low-income designated. 10,760 members of 200,000 potential (5.4% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 90.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $131.3M |
| Members | 10,760 (-0.8% YoY) |
| Full-time staff | 29 |
| Net worth | $21.2M |
| Net worth ratio | 16.1% (p88 of band) |
| ROA (annualized) | 0.77% (p55 of band) |
| Total delinquency | 1.55% (p88 of band) |
| Net charge-offs (annualized) | 1.70% (p97 of band) |
| Loans / shares | 86% (p83 of band) |
| Cash / assets | 25.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.77% (p93 of band) |
| Operating expense / assets | 4.06% (p63 of band) |
| Vehicles % of loans | 31% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 75% (p64 of band) |
| Vehicle delinquency | 1.81% (p88 of band) |
| Vehicle NCO | 4.81% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 53% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 13% |
| Average share balance | $5,680 |
| Participations bought / yr | $1.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $11.2M |
| Loans outstanding per 100 members | 90% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $9,779 |
| Loans granted, annualized | $24.3M |

## Participation posture (from the same filings)

Bought $1.8M and sold $0 in the latest annualized quarter; $11.2M outstanding purchased (52.7% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 6.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | repo signal |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 4 | thin capital |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | net worth falling | losing money |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 | delinquency rising | thin capital |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | assets shrinking | delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 2 | loans>95% of shares |  |
| 2020-12 | 1 |  | loans>95% of shares |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2021-09 | 4 | delinquency 2x band, delinquency rising | net worth falling, leaning on borrowings |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 1 |  | loans>95% of shares, delinquency 2x band |
| 2022-06 | 2 | loans>95% of shares |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 5 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | assets shrinking |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 3 | delinquency 2x band |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | loans>95% of shares |
| 2025-09 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 3 | net worth falling, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-04 [Man facing multiple fraud charges - wsaz.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE14cG5NWFljU0JVNGZBOTNwZzJSaDc0ME96X21IczVtNEQ5eUxDZVNuaVNiUXRGMnZvczdCbGRESV9rdE0tcVlXYTJmQmpTZ09jaXZ0bm9acmtNNkFfT3dRXzdldzZXc24tWG5BekhNRUtwMlpV?oc=5) · wsaz.com
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2025-12-05 [Angel Tree program nears deadline - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMimgFBVV95cUxNY1VNcmtpbHd1T2wwTDJZTGlmcDE2M3hqcUdnOTlMdzU0cnk4MmhSYURRcnhjMzJBaHdkc0V6cUFSZklZaUxhckNqQm1MTV9VZmFLelNPMDJXWVBWWTRSalFlOFFfZWFMOVl2aldPa1FVZlBidldoUHNJNW8zSHBtcFJPV1h4SjAzUFB2eUphaWhqRE81YW03VzR3?oc=5) · The Parkersburg News and Sentinel
- 2026-03-17 [Here's a list: Egg hunts, Easter activities from Huntington to Charleston and beyond - Charleston Gazette-Mail](https://news.google.com/rss/articles/CBMikgJBVV95cUxPODZWRjQ0dlM4YzFUa0tiWnhMbUw4aGRtZlpiMUZJT2llNUh3ZTM0NDhVNFBWakxITGxCbXhpbll0bFljU3hEcll3ZEpsX3d2c09CLTl5b1RzSTQzMHJSN05tNWpObDRpRGZWdzRvZ1l3SlpYQjBwZkVJMl85X2pFcXU3cFdQNHBhOFhGdkt1TVJ0RDVKSTJaR1RfSHpkMW1zNDlVS3l3U0syWVVTMmYzSEloY3E0bXlER2RlaU9UZ3JJeHIxUXdzUTB3ME96SDdMd19JaGlmNmZuNlUxOTJkWGlnRDl0S05XNGd5NDB6a2I4bWowV08zemZhbFZZSmJKVlp5TW9NTWdVS1JQTXRNcWdB?oc=5) · Charleston Gazette-Mail
- 2025-10-27 [BDC launches renovation of former People’s Bank - - Weirton Daily Times](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQN0I0ZmFPREc5VGlUWmc4ZDJkRFBOTkMwVENVOUg4N0w3RkhDdmlSRVpVcnZCRkNPekRpdXVWTzlEV0RBRmRlMEk0QXFTamI3WVBqLXVHUDcxTVBiUDlvTEtJM2JiYlV4Z1FzR245OVVDa2xnRjY2Vlo5b1JyUTlfVVRMRFlGX2tnbTVwMFhRbkc3U29wdFhJZDhMMUYtMEEzcGhvTW9aZ0o?oc=5) · Weirton Daily Times
- 2025-01-02 [First Peoples CFCU to merge with BEDCO Hospital FCU - WV News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOdmtPNnZGbllKOGRqX2RkRzU5V1FMelZsWmlHVTdQYVBxUnVpVTVjbElxZWJJc2ZEenppNmFCZ3FKdy0tNE1raEo0aTBTb3hxV3ZaZ0dscjZPTlBSYnJSUEx0OVhUYW1zbW9kZU1iRnhzZXhHbFBGMDNTNFp6dnFLT2tmWW03dmE4c1g1NUhGT3kxTlRzQ0trNmNFTW5leWJlRkprcXRIZkxZOWlSWVFDZG85a2Q5ck1fRzFTcTBwMU12QQ?oc=5) · WV News
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2022-08-30 [First Peoples brings banking back to Warfordsburg - Morgan Messenger](https://news.google.com/rss/articles/CBMimAFBVV95cUxOSzdkaGYzaEZrTGZVRmZnNXhveWg1THpyUXg0RDZmaWpFcXRoelplR3FsaXBUOG5BVjRLeTlIaHpKUi1nSmE3Rkh0b3hKRDBvYmJDeFlIMmJDZzRwVFRvdUJYc1duQlMtMWs4Y3lmUndmVjlnWXBGazQyZlIzOGlBOU9KLWptLWl0b1Fqd1BQNUFQYkVwSHJhdg?oc=5) · Morgan Messenger

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16993 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/33.json (key "16993", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=16993
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide