# PEOPLES
SPRINGFIELD, CO · NCUA charter 66155 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/peoples-66155

Who the members are: state charter, organized 1956, low-income designated. 3,578 members of 58,707 potential (6.1% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $73.7M |
| Members | 3,578 (-1.5% YoY) |
| Full-time staff | 17 |
| Net worth | $14.3M |
| Net worth ratio | 19.4% (p89 of band) |
| ROA (annualized) | 1.64% (p89 of band) |
| Total delinquency | 0.23% (p22 of band) |
| Net charge-offs (annualized) | 0.18% (p42 of band) |
| Loans / shares | 99% (p99 of band) |
| Cash / assets | 14.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.90% (p95 of band) |
| Operating expense / assets | 3.61% (p53 of band) |
| Vehicles % of loans | 13% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 1.13% (p84 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 161% |
| Core shares % of member funds | 35% |
| Certificates % of member funds | 35% |
| Average share balance | $7,689 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $37,161 |
| Loans granted, annualized | $26.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $924,447 sold and retained. Sold in 6 and bought in 0 of the last 8 quarters. Shares -1.1% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 1 |  | net worth falling, delinquency rising |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 2 | assets shrinking | delinquency 2x band, delinquency rising |
| 2018-12 | 2 | delinquency rising | assets shrinking |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 2 |  | net worth falling |
| 2020-06 | 0 |  | loans>95% of shares, delinquency rising |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 2 | delinquency 2x band, delinquency rising | net worth falling, margin squeeze |
| 2021-09 | 1 |  | delinquency 2x band |
| 2021-12 | 1 | net worth falling | delinquency rising |
| 2022-03 | 1 | delinquency rising | net worth falling |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 4 | delinquency 2x band, delinquency rising, assets shrinking, loans>95% of shares |  |
| 2023-12 | 2 |  | delinquency 2x band, assets shrinking |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 1 |  | loans>95% of shares |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising, loans>95% of shares | net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-01-06 [8 things to know: Maryland bank acquired by credit union - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNM0dsMXE5dDdYSFVNbnE4TlZhNjJMUTNsYzRyc0lfM2t0ai11VGU4YVNGRHEzdU5BOG0zcUZuYUFBTmdtcGl1Z2JTMHJqVWY2TVl1bFYyTHFRa0JWVVMxeFNGdTlZUkFqWTBJQjJpVWM2YS1vb2N0QTBoZnNYMWNJVVM1b2s4ZVh6bXlOajhhY1dlclhtc09wVlFReWRBbVRJQ1dGNnpFVVo?oc=5) · The Business Journals
- 2025-11-11 [People's Security Bank and Trust Co. opens first branch in Lancaster County - LancasterOnline](https://news.google.com/rss/articles/CBMihgJBVV95cUxONVVZV1l2LS1uWUh6bWhkcHM4aHZEQjdhYzJJVXhZR1dpVDdHZ2xDS21mV3pHQjVxN19yZ3hUd1hFaUMtcEpZLTA1Ukl0d1lWaU9KSHExYXZ5cDBLeVY4TnZuU1BuWHVfclVQU1RDM3N1eTRhTmQ2UDd0YnUxUWxtdXQ2T2FLdGJXYmJmaENTMFRTQ1hKTGEyRWhOTkJJVENINWR1VlhoZTMySmpmZVJKUUZxS1VrRW1LbWZxZnlwWkstTDlCZ05CTHlIUElSd2RmcVFTUEE3VU5LcFdWWmhZa244dWtYUlIwVndrbS1kTkRINVVmbUJ3aGMzanhhVjI3QnFSX25B?oc=5) · LancasterOnline
- 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
- 2026-07-03 [Samuel Hall Obituary (2026) - Magnolia, MS - Peoples Undertaking Company, Inc. - McComb - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5mZW1UTDZremtjbGgyWXIxVk5EbF9XZ1ltT1FqdjJrV1RVZFRqaFpRRkRiaVltbnczUTNwWHNZU0J1OWpLMGZfdy1kbnVuWlFsTExFRG9DYkRmblFyZWdoRVhzWllWaVB2dUtZRm9QVGl4Vmp0eS1nLXUycUVzZTg?oc=5) · legacy.com
- 2017-09-05 [Peoples Bank acquired by Advia Credit Union - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMic0FVX3lxTE9GTkxwemNNVUxRSXJ6bFRMdGdZbG9UVW93LUlMMmxPUFBNWlVuZk1iRWx1WnpOSElTSG5nUWwxTVNuQjB1dFZ3N2ZiWkhYazVqWkJCbnBUQ1pPR0hQN1dVVGlWQWdTTzQ2N2RxUFNlLWJMNG8?oc=5) · BizTimes - Milwaukee Business News
- 2019-11-10 [Peoples Credit Union is on the move - Messenger News](https://news.google.com/rss/articles/CBMimgFBVV95cUxNT1JpdWd2cWQ4bW42MFRsVUtUWnRNMmgtVEM4OXh3UThVN0JHR19IZEpLVTJZUXVBTzU2ZGVGZHlkQmdFQ3kzeFV0bG8za2VNdXc5dGVYOUtlOS12RVpZOTBzRmZzQ1NCXzNDcXJ5cWhqQmw5eW44UUE1NXdLRGUxYXB1ell6SjNVcGJFVGFEU083N3I5T3RBR3R3?oc=5) · Messenger News
- 2025-10-07 [What’s open and closed on Columbus Day and Indigenous Peoples in Oklahoma? - News 9](https://news.google.com/rss/articles/CBMipwFBVV95cUxORlk3NDRWeTdoOThHZVdHMEY5akh3cGdBT0NZQkVsLWNXUnBXSnI2cXl0Q3JMbUNQNC11bU1BTnZ6QjNOWkN0cDRsZnpDWjFFU0RuWElub3hSNzlrb2dBZURmdU9hU1dtU3FtU3dULWpfUzNlaV85LUNJNnBqZWU0QUpnRVVCRjNvRWRzcXNxQnhjQnVBV3RXbUdvdG5iWkhGV0xiQksxdw?oc=5) · News 9
- 2024-09-05 [Reflecting on Indigenous Peoples' Day - SUNY Cortland](https://news.google.com/rss/articles/CBMidkFVX3lxTE5DXzhuUlYydUd6ZGticmJmckdYOWg0MXdTZE9RVkN3UENfekkyZ2YxOV9RMG1BVU00ZDRiUm5Hc216bGd1QlMxQkFDanduOE94aHNGMDJhZklIUGpOU00wNE8xX2Jyd1lkTlBxZ1ljbzJSTkRjUUE?oc=5) · SUNY Cortland

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66155 (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/43.json (key "66155", 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=66155
- 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