# PEOPLE'S COMMUNITY
VANCOUVER, WA · NCUA charter 24713 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/people-s-community-24713

Who the members are: federal charter, community charter, organized 1952. 10,432 members of 500,000 potential (2.1% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $279.3M |
| Members | 10,432 (-1.8% YoY) |
| Full-time staff | 39 |
| Net worth | $41.1M |
| Net worth ratio | 14.7% (p88 of band) |
| ROA (annualized) | 0.86% (p63 of band) |
| Total delinquency | 2.41% (p98 of band) |
| Net charge-offs (annualized) | 0.00% (p3 of band) |
| Loans / shares | 48% (p5 of band) |
| Cash / assets | 16.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.66% (p7 of band) |
| Operating expense / assets | 2.25% (p7 of band) |
| Vehicles % of loans | 7% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.00% (p2 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 192% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 18% |
| Average share balance | $9,720 |
| Participations bought / yr | $9.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $33.0M |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $52,078 |
| Loans granted, annualized | $15.0M |

## Participation posture (from the same filings)

Bought $9.0M and sold $0 in the latest annualized quarter; $33.0M outstanding purchased (80.4% of net worth), $3.2M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -2.0% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze, delinquency 2x band |
| 2021-09 | 0 |  | delinquency rising |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | assets shrinking | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 0 |  | assets shrinking, delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | delinquency 2x band, delinquency rising |  |

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

- 2016-09-02 [Credit union forges ahead with a clear identity - Vancouver Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxNTlJ0TDM4Q3BSblBrM041SGFYcTdLN3NGQlF6eFNmRVhhMy11R2JpaVB2cUktVkpqLUhwVFQ0Y2U5dmpLVWlHa3FmVm9sWFN2RkFMZDhhTDlwN2d6MWFIVWtXQURYekNkVFBzUFRhaktkN2JjczN0VUVHaFZsYmtEVWtoTGVKX3NNSW9NNWVuWlFad9IBlwFBVV95cUxPb3A2Q2FoclR0NUkxbGxSbE93SWtocHZEa0wtb3h6SkFGWU9XdFlTaVBIMERBOFRjaEptZ1ZEWklfVjVhQWZqQmxPam44dlFCR1BQODBlaTJNaHZ1QWI5cjBCZHRZYWRRYVNlblR3OVJwX2NyUGJ6MWgyVEo1ODlNRFFodzJPRldzVkxJUURzdzBiVU81NXlN?oc=5) · Vancouver Business Journal
- 2010-04-04 [Michael O'Doherty Obituary (2010) - Vancouver, WA - The Columbian Recent Obituaries](https://news.google.com/rss/articles/CBMimwFBVV95cUxQb1Vad0FPODhkdVlMT2R5ZWhVa20yVnFLR0NnR201bnZ3RVotRmphN0M3cXZNNnhLc2M0U0FONXFWSzFDUzM5ci01ODZ6UzQyRFFUVTFHY1Y5R3ZGVW11c3IzSHhja01RS3h4bjJQeUlSX0FxSEJucXhkUm9PRXNSLXJPdkh5d2d2UFRWdDJOSTFvYldFVi1wUFQxYw?oc=5) · The Columbian Recent Obituaries
- 2024-12-27 [C-TRAN offering free service, extended hours this New Year’s Eve - camaspostrecord.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxPaFV3a2JTeHZJQS1BcGNOb0p1ZExWOWxQYTZTajJFNXRKdHd2WloyYm1pajRSSkNhWHhKMERGZDJwUWVrdlc3MkR4ZmJ3YTRXSTRYaFRIbE01OXF5QlE2VDF0b092SThidDVOT1JZQjRYcGVtb2hxbHJmblI4Ukh3Tm9qd1lRLWFkMHdWYi1fcTJzYVZvVEZzLTMyLTJ1aVVleG14MEZDUzJ1cWMtQzJYSU9R?oc=5) · camaspostrecord.com
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2009-12-16 [Richard Streissguth Obituary (2009) - Vancouver, WA - The Columbian Recent Obituaries](https://news.google.com/rss/articles/CBMingFBVV95cUxPZ2VJZE5kb0Vob1V1YUxpemItY2pPQ3dDTTRmNUxXU0QyNjBkMHlhSDJ1QUFiR2R4X2RpMElmNjk4T2ZseG9fM3dYcnNjd3cyXzNkMVplZG1QeXA2aEk2U1ZQOFd3YlhQQWVBeGxhelF5OXVZdEVnYWc4OEZNQzZpelpadUc5aHNXdzQ0VWtUa29iRkd4TzloSTNhRUZFdw?oc=5) · The Columbian Recent Obituaries
- 2005-08-07 [Frank Kanekoa Obituary (2005) - Vancouver, WA - Evergreen Memorial Gardens Funeral Chapel - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVmtWdGpFaGN6MEJsNUpMejVPdmN2UktiNnVibEtZYnpSWjJrSXVxYi1XS1ZHM3pWaXFOdGxIS0dDNmpKSklKZEdjN0hFRXYtRlkwcEhvdWtXV3EtSXFhVE44bzI4QWlXUGNNLWtKcmhhSE5Tb0lKZ3Jxc1ZndmFxMnVn?oc=5) · legacy.com
- 2014-07-23 [Farahnaz Tamimi-Schmidt Obituary (2014) - Vancouver, WA - The Columbian Recent Obituaries](https://news.google.com/rss/articles/CBMiowFBVV95cUxPS25hbWx2b2otQmI2Z253akNsZ2JySHl0UENxeklNbGpVdmFKbk81Qmx2c1B5X3daMFBINFJrcU5PWUZWMXNWMWVodUxVbW1BNG1OdVRwSXRneG80Q2pLZk1naU10azFqcVF3X2dYYU5Ba0V4ZmpIam9WcE14Wmw4Q2JmMVI2SllXYTZJZ2JqWmNsRnVkdnBFYmVLRE9sWGduUzNJ?oc=5) · The Columbian Recent Obituaries
- 2007-02-18 [Richard Christensen Obituary (2007) - Vancouver, WA - The Columbian Recent Obituaries](https://news.google.com/rss/articles/CBMingFBVV95cUxQd1lHYkZ2eU9LQ1EtZm55V1FBWENwcjR4R1dvekc2WnFSUllZNHZCNFJVQTFmeU5wZHRmeWcxUkVCcHlpd0xtMEhwazloN3lVVGpyRTVJY1EwYVgyUkE0QzJvWnJqcmY4OC1KMmUxWlA2X2FGeUUydEZXblJLbk9FVTVUcTUyRHFmRDdQR3hZNFJBUXBBaU1HS0RaSENVQQ?oc=5) · The Columbian Recent Obituaries

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24713 (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/9.json (key "24713", 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=24713
- 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