# PEOPLE'S
RAYNE, LA · NCUA charter 62564 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/people-s-62564

Who the members are: state charter, organized 1942, low-income designated. 3,731 members of 9,999 potential (37.3% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 18.

**Verdict on the desk:** this could be *auto monoline*. 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 | $24.8M |
| Members | 3,731 (-1.2% YoY) |
| Full-time staff | 6 |
| Net worth | $4.8M |
| Net worth ratio | 19.4% (p72 of band) |
| ROA (annualized) | 0.18% (p31 of band) |
| Total delinquency | 1.71% (p74 of band) |
| Net charge-offs (annualized) | 0.16% (p62 of band) |
| Loans / shares | 51% (p39 of band) |
| Cash / assets | 54.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.05% (p57 of band) |
| Operating expense / assets | 3.57% (p48 of band) |
| Vehicles % of loans | 75% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.16% (p68 of band) |
| Vehicle NCO | 0.31% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $5,343 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 18% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,666 |
| Loans granted, annualized | $6.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## 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 | 1 | delinquency rising |  |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 1 | repo signal | delinquency rising, delinquency 2x band |
| 2017-12 | 1 | assets shrinking | repo signal |
| 2018-03 | 2 | auto monoline |  |
| 2018-06 | 1 |  | assets shrinking |
| 2018-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | assets shrinking |  |
| 2020-06 | 3 | delinquency rising, loan book shrinking | assets shrinking |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 4 | delinquency rising |  |
| 2021-12 | 3 |  | margin squeeze |
| 2022-03 | 4 | net worth falling |  |
| 2022-06 | 2 |  | loan book shrinking, net worth falling |
| 2022-09 | 4 | losing money, assets shrinking |  |
| 2022-12 | 2 |  | delinquency rising, losing money |
| 2023-03 | 5 | losing money, delinquency rising, members leaving |  |
| 2023-06 | 2 |  | losing money, delinquency rising, members leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | delinquency 2x band |  |
| 2025-03 | 4 | net worth falling | assets shrinking |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 2 | charge-offs p90 | delinquency rising, delinquency 2x band |
| 2025-12 | 1 |  | charge-offs p90 |
| 2026-03 | 3 | net worth falling, delinquency 2x band |  |

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

- 2026-08-12 [See PEOPLE’s 100 Companies That Care List 2026 - People.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBYUFB1dllMZ0tZSGFXamZxVWpPRmpoU1phdTVJRFZhR2JrOWIxSGxvOWgxc2g5Z3phMEY1ZnBWSmMwU2hwd0FDdlE2VGozQThIeEdWbmNDODg1aUhNWXhVNjNnQ2puLVB2UldWRGR3?oc=5) · People.com
- 2026-06-05 [Amarillo Sod Poodles, People’s Federal Credit Union donate over $14,000 to fire relief - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.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?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2026-05-14 [​​​​​​​Dozens of lenders hold back on rate rises even after RBA decision - mpamag.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxQRmNCQ2gxQnNrTW9OV0dDajlxUV9Db1lkSXg2MS1IRDJrOE1nYWlHRHdqM19CdHJwTlNxU2RUOEczeTRjUHFOcGVRT3pFNS1YNUpVY1JIcWZTU1hKOTBJYlAxdXYwMlZPbXFlRm01X3E3Um9OOXB0cXpiY0k0ZHJDUm9YZ0JpQzUydVFOUjBBcFp1RDRYeHZDejNVdzkyMnBseWRsUDQyRldJNW1kU0p1Uw?oc=5) · mpamag.com
- 2026-06-30 [US Supreme Court limits police access to people’s location history - CyberInsider](https://news.google.com/rss/articles/CBMilgFBVV95cUxPQTRkUi1ndGprVmgydEh0bUVLNWViX1NkanVSNFlOWW12T3J3bXpoaDBNOU1idWVWSmFWdHZ3ZUxRckcxOGs3dXZoNTl4MnVIZ0pkdVhFc3c5Zjk2V3lhZUZzWV9Yc1RBZTdDRFg0RElNWXBMWlRlNERXejlsUGMyY2ktTG1aMmNrcDVZdUtITkJCODU5OXc?oc=5) · CyberInsider
- 2026-05-12 [More than two dozen lenders haven’t hiked home loan rates - realestate.com.au](https://news.google.com/rss/articles/CBMilwFBVV95cUxNTnVISnJvN3dPQWctTHM1NzZuWnRRMThKam9xNFlaWlg5RElISE14STdlN200RXljY3cwUHBKdXFvNEg5Z1RCcjZHekVKVjg3enRXaEVJMDlQZHQwaUE0aV9WYUs0dGNPTzBoc2owSUtKczhjbUhyYUNPZDhEUWxKRzBWLUVQd1pfb0NGaEp2UWJRTnJTTFVJ?oc=5) · realestate.com.au
- 2024-07-12 [‘Mission-driven’ Catholic credit unions give members a critical financial lifeline - OSV News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOaVdPWTJfUW9fWS1FS0oxNm00bzNuZnU2QVBXVEptWFoyNnF1NThhY1BIbnlpcTRWbDF0U09Wb3lGWTAyTXdld3dSRS1SOHVGSFpzU3BGMjdyRENteWZWckhIRFR2QnUzbTNOaUpJb3BhbmQxTmh4Y09oa2ZENy01SmxRU1BGeUVVR2QzODREb1VicnNNSXktWFYyV2pOMzVNWVE5TkUzVVU?oc=5) · OSV News
- 2025-10-28 [People on the Move: La Salle Names Kavanagh President - Go Local Prov](https://news.google.com/rss/articles/CBMijAFBVV95cUxQaG1Pd2F1eWkzeGdkYUpfeERnSGxMU0xuUlBQeUVGeXI0a0FlVzBmem9UTW5IaTAtTUx4RC1TSXRuVWFOOTcwSFBvLVFiS3Y3RDJLMnBscXRTR3VhaEF2UFpleGRqUFJvUmlUZ1hFdTBEOTRkYjVSeTNvUmE1RU1OeHhYdk5LWTZ4LTlEOQ?oc=5) · Go Local Prov
- 2025-10-31 [Carol A. Allen - Long Island Business News](https://news.google.com/rss/articles/CBMiV0FVX3lxTFBZM0VVbVVHQWI3a1dKRl9ncnVEWFYwYnF4bkM4T2pCZGVTNkxoWFRYVGVLT1psdjVrRGpERUxObzRhQVNWWEU1c2thM2RFdlFYX1VyWklBZw?oc=5) · Long Island Business News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62564 (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/36.json (key "62564", 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=62564
- 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