# THE PEOPLE'S
Amarillo, TX · NCUA charter 8290 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-people-s-8290

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 18,741 members of 101,830 potential (18.4% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 63.

**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 | $224.7M |
| Members | 18,741 (-8.0% YoY) |
| Full-time staff | 57 |
| Net worth | $19.8M |
| Net worth ratio | 8.8% (p12 of band) |
| ROA (annualized) | 0.42% (p31 of band) |
| Total delinquency | 1.17% (p86 of band) |
| Net charge-offs (annualized) | 0.70% (p77 of band) |
| Loans / shares | 69% (p39 of band) |
| Cash / assets | 13.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.80% (p68 of band) |
| Operating expense / assets | 4.28% (p74 of band) |
| Vehicles % of loans | 75% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 24% |
| Third-party paper % of net worth | 290% (p92 of band) |
| Vehicle delinquency | 1.09% (p79 of band) |
| Vehicle NCO | 0.64% (p52 of band) |
| Repossessed % of vehicle book | 0.10% (p72 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 10% |
| Average share balance | $6,147 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $38.0M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,961 |
| Loans granted, annualized | $38.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $38.0M outstanding purchased (192.1% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 3.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 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
- 2026-06-03 [West Texas A&M Announces 2026 Football Promotional Schedule - West Texas A&M University Athletics](https://news.google.com/rss/articles/CBMioAFBVV95cUxPT3ZxU2VHWEg1YzRsN1VDcGVjWFYxV0F5VTJzVGFIUnpXMU5rMTFUUlhqSWRBSVQ3VWdac3hBQ3Rpd253YkFXSlQ0Wkd2MWR2ZnBmZ0ZLeGtmaHEtMWVOcTVZbDlvci1OdGRtbVNwQzlJSlRseFFjQ1drb2RjU3Q1UGJjNUdZenRTZW81dWZhdFBPYmhmcXctMkJhckdreE82?oc=5) · West Texas A&M University Athletics
- 2026-06-05 [Sod Poodles raise $14K for Panhandle fire relief with Toy Story jersey auction - abc7amarillo.com](https://news.google.com/rss/articles/CBMi3AJBVV95cUxNMHJYbloxY01hX3g4Yy11TmFKVXRsWGdPR2wwSlVpSkctVEZuUVdVbDFSMVBjN040OFluclVSWHlWWElsWlFGTzVUT3VrbGU5S0I0OExqVzk5c24xUjhwZUxoLXZFeVNVNEd0V0tiMmxTTXdnaHlIR2JrTmtKODgzdWhmWERZcVVYN1NWWk16bzkyQlhtNXpFdHRaWlFtTFRTWThTT2xmelg1aFJFTjd4VDZOM2dkZklMUjBTdUFhN1ZDdWJSZkNFSTBhWWpjSUJrY0Y5TXNHU0FiSmZPNF82bktjTHhmeTVDSEFqLXU0RmhnWlBaMWtWM2F1OHRjWnpDOFhCWXFDdmNZbV9BRjkwVzcyWHhnUkpXVmRRdm1lYW5ZUjhEcmI1ZDlDbjBSOEJieXZBZ2Q3WGstektjY1Nib00tV3p1VWV2Z3NPbTNMMGxmRDNhcjh6RGhDcEQ?oc=5) · abc7amarillo.com
- 2026-03-20 [James Robert "Bob" Clopton Obituary (2026) - Quitman, TX - Lowe-Gardner Funerals & Cremations - Quitman - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPOGp2MjhZY08yQXI2c1J2Q3lfcWVZczZhUzY4MkZhMldVZzBFeU1YWElkT2MwQ2JqLTU2dHVORVlJQ1RiVFpJelRQZTZlckFPd0RkRnlHeUw2S19XNHdldkZudXlnaWQxUlp4X1liT0FidkZaVnBKNFd5ZE9vWHBfY3pB?oc=5) · legacy.com
- 2025-06-09 [The Amarillo Tribune celebrates a milestone - Amarillo Tribune](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQSERJdEUwY0pXemRhay1hbFhLNTdlN3BtemE5dzhUV3hUV2hkdGZWTVBqWmllNWVTM1FjVktpWjF1TGJkODdVc3NEa3lRYWJVVUIwalFLQWJtZ1FrcnJKNS12TVB1QWsyQklyc2NhUGtiQVQ1TWREOUZZamoyaVk5MTJLQXdCeWc0NGlJ?oc=5) · Amarillo Tribune
- 2024-01-29 [Discourse : The Constitution’s Overlooked Road Map for an Accountable Bureaucracy - Pacific Legal Foundation](https://news.google.com/rss/articles/CBMipwFBVV95cUxNZm1Pb1FDMzU0amJFX1FrallZd1ZZdDVtbnBHRGd1S29PbHNEXzF3eWxuQkJqeDdXZ2JFb2VGUGYxVmI3RDd4cHR3dEJSRkN0SFVZcDQtNTVvcGxxTHVHVy15T0F3X1g3TUd1aUd2M2ExeWNIOEU0aE04RlZadnphVmJjN05BR2hEdkRNeEtEcExIYnFSMG1Cd1ZSSkRhcmFXRUF1bE9uUQ?oc=5) · Pacific Legal Foundation
- 2020-08-26 [Longtime CEO of People’s Credit Union to retire - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxPYXhQSnV4bl8ycTdsemhiYjg4c3YxdGdrRE5JODdOY3BMZjFDQmdwUTJMRmswRXhUc1VaakpUSzJLVC1nRFJyeUtvV29ZUUJhTGVyVHUzNWpSbEFhSGV5WUs2NXZCNDNVaXZweUU5SWJvam1RdEl0X0s1VEtiSVNMU1diWElYam9pNVUyT1ZaUGVtRzFjSWVlR2RRWQ?oc=5) · American Banker
- 2024-09-12 [David Ray Oldham Obituary Dec 27, 2023 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMiX0FVX3lxTE45NFZCYWtNbVFnZXZramJfU204MDcwYmZITjhDVm0wLW9rRThwR2FBME5rc2V4QVZJYzNRZ3Z6d0ZHd0xONnJ3a292YjRUUmtrR0I3bHh5aGN5dnA0ZW1J?oc=5) · Dove Cremations & Funerals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8290 (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/34.json (key "8290", 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=8290
- 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