# PEOPLES
Webster City, IA · NCUA charter 64140 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/peoples-64140

Who the members are: state charter, organized 1962, low-income designated. 5,644 members of 247,167 potential (2.3% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 104.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $93.6M |
| Members | 5,644 (-17.4% YoY) |
| Full-time staff | 22 |
| Net worth | $9.5M |
| Net worth ratio | 10.2% (p23 of band) |
| ROA (annualized) | -0.13% (p12 of band) |
| Total delinquency | 1.89% (p92 of band) |
| Net charge-offs (annualized) | 1.65% (p96 of band) |
| Loans / shares | 74% (p75 of band) |
| Cash / assets | 12.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.91% (p63 of band) |
| Operating expense / assets | 4.57% (p80 of band) |
| Vehicles % of loans | 50% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 306% (p98 of band) |
| Vehicle delinquency | 3.19% (p96 of band) |
| Vehicle NCO | 3.29% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 30% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 33% |
| Average share balance | $7,124 |
| Participations bought / yr | $3.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $7.3M |
| Loans outstanding per 100 members | 104% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $10,448 |
| Loans granted, annualized | $20.1M |

## Participation posture (from the same filings)

Bought $3.7M and sold $0 in the latest annualized quarter; $7.3M outstanding purchased (76.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 3.3% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 4 | net worth falling, losing money | delinquency 2x band |
| 2017-09 | 2 |  | net worth falling, losing money |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling, auto monoline | 3rd-party paper>100% NW |
| 2019-09 | 4 | delinquency rising, 3rd-party paper>100% NW |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 |  | 3rd-party paper>100% NW |
| 2020-06 | 3 | 3rd-party paper>100% NW | delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2021-03 | 5 | net worth falling, charge-offs p90 | delinquency rising |
| 2021-06 | 3 |  | net worth falling, charge-offs p90 |
| 2021-09 | 5 | delinquency rising, charge-offs p90 |  |
| 2021-12 | 3 |  | auto monoline, charge-offs p90 |
| 2022-03 | 3 | net worth falling | delinquency rising |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | charge-offs p90, members leaving |  |
| 2023-03 | 5 | delinquency rising, auto monoline | charge-offs p90 |
| 2023-06 | 5 |  |  |
| 2023-09 | 4 |  | delinquency rising |
| 2023-12 | 7 | net worth falling, losing money, delinquency rising, charge-offs p90 | members leaving |
| 2024-03 | 7 | members leaving | delinquency rising |
| 2024-06 | 7 |  |  |
| 2024-09 | 6 |  | auto monoline |
| 2024-12 | 5 |  | net worth falling |
| 2025-03 | 4 |  | losing money |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | losing money |  |

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

- 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
- 2026-08-08 [Travis Tritt, Blake Jack & South 35 with special guest Stadium Dr. - Carroll Times Herald](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOdWg1WjFCdDdDRnM3TmxBYTRGMVBiQkhqbXZkaDhUTk9GR3FISzFjazRicVRNcW92U1U0dDY0bFpucGRMakItTE1aZ0tuUGhUaWtMWVJvQzA2dTdDYXBZTmN1WEhQQ080UFZja1NGWGJ6MUVlTHhJTVNBb2xQLVlQYVZYcFJlR0ZGQ1hmLTNxUXpkRFIyY3VQRjRSRFVNaHc1TURuTEpqaWRTR0ItbGxDdzB0MVZ2Z0RJYXlfR1dCSEZXeGpzN0l5LU0wRGZ2a0NJQmJGOQ?oc=5) · Carroll Times Herald
- 2019-11-10 [Peoples Credit Union is on the move - Messenger News](https://news.google.com/rss/articles/CBMimgFBVV95cUxNT1JpdWd2cWQ4bW42MFRsVUtUWnRNMmgtVEM4OXh3UThVN0JHR19IZEpLVTJZUXVBTzU2ZGVGZHlkQmdFQ3kzeFV0bG8za2VNdXc5dGVYOUtlOS12RVpZOTBzRmZzQ1NCXzNDcXJ5cWhqQmw5eW44UUE1NXdLRGUxYXB1ell6SjNVcGJFVGFEU083N3I5T3RBR3R3?oc=5) · Messenger News
- 2025-01-16 [Bill Delaney joins Peoples Credit Union as loan officer - - The Freeman Journal](https://news.google.com/rss/articles/CBMisAFBVV95cUxNakhwSlI4U0JhTWNYTHQ4TFFpcktQeGlhcmZ3RDhtZVVoU3FGMjYyRTdBbFpJZlBhR3pDaFN4SjRpeTFSbFVlekoteTRyLUJFVEw2WlpNQllXSGpGeUJ3SUpXUGNneEUxeUxsV2w2djNhbVYzVTFrbkliMFVacm5xSlhhMHh6MGpIQ3Jsdzh5M1oxMGFLVnZVRTJrVXZIS0E1WGlBY29ZTVVWdDB1Zl9uNw?oc=5) · The Freeman Journal
- 2026-06-25 [For credit unions, reconciliation is a true partnership - thecanadianpressnews.ca](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOc2ZLNFFla2NZYzYwbG1NYnZQQTNQUGRjT3FIRlRFcUwtNGZQZEI1ZW5MT2N5d3pPRFdCMnd0aFpQYThJYjdIN3lPa2ZEeHdfVm5COXlNRXFmWVk4VEpvV1c3UUFyMmE0TllzN0Zyb282QjJqNVR0aG5nLWdXUWxUbjI1REpJWWl5OHdmNW12WGJZNEZHUzZIa0tXcWhVOVVXZnlYdUNDZEptTzhwZFNMdmlnTS1ETy1DUnZIQkVjMVdPVFVUcllEaUJ6ZzRqT210MjBQTXBTUU5hdFd2LWg2RlFXNTd3bEdYYTBmSGhRWQ?oc=5) · thecanadianpressnews.ca
- 2025-12-03 [Marquis data breach impacts over 74 US banks, credit unions - BleepingComputer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN25wV2ZwYk9ESjhEMGdsY1N4dXdSV2FBTUo2R21EX0JoODBvWlhTcVJ3TmtDdW5veDVucFZwS0V2M0Z5VGJsLVQ3MDJWQUpISFgtb1p6aWI0ZnE2MVdjTU8xXzZuclIwQ3ZGRVBCYl9jWXJjeURoNW9UM2hHay1uOElZSENqalFVWndUYV9xUjRnQ284QkpDSnJZNENHOHRfMnhDSnlSbXRzQdIBrwFBVV95cUxPNWZVaVhpYWZHQmVuT1ZWMUt1eTN6VjE1YnE5VC1wWWo0UE4xUG1BSmduNnBZckhtZE5ZTUFkQjdXa3dQS21JMHlIc015cEhsdkVfRzRsSU9YN3owcWFOcWNQQWJTcmxLcjJlYnRUYkd5UFBVclVVODdhVGQ0RTZVZjJDZlpiUWNQWjllcDBVcFQ0WW9qQ1dNNVY2TDNDeS11cU0xN2lNNHdnSG5mckE0?oc=5) · BleepingComputer
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2026-06-11 [The League of Credit Unions & Affiliates honors industry leaders as 2025 Professionals of the Year - CUInsight](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQdkZvd2xuY2VCTzlCQ0ZrTnRNNWNlMllYZGRKVEtRNDJXbTBIdFRaT3dXT3YxaHRFRFlIdVJYMklaRmVFcUtjSW82bExMWS1ubUxoRjVGdHFqMmNWcWhpNjJxMFVsTnpSZ1NkNERxUHdtRmZscmpob1FNSkpsN3lpeHFLby1uZW9DZlVWWnV0OHN0Q3dGazVCY053RmZPeHFIQVhLaHpvWXJCNXVNVlVzb1dkWVdKcy1RaVIzWjVOc0VSNTdhSjU0QU90MEFzV2UteGpn?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64140 (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/12.json (key "64140", 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=64140
- 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