Credit Union Safety Analysis
Is People's Community Federal Credit Union Safe? Vancouver, Washington
Based on its Q2 2026 NCUA 5300 call report, People's Community Federal Credit Union has a net worth ratio of 15.51%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.32%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, People's Community Federal Credit Union's net worth ratio is 15.51%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.51%
- Delinquency ratio (60+ days) (Q2 2026): 2.32%
- Return on assets (Q2 2026): 0.95%
- Loan-to-share ratio (Q2 2026): 51.82%
People's Community Federal Credit Union (NCUA charter 24713, established 1952) reported $269.1M in assets and 10,317 members for Q2 2026 from Vancouver, Washington. It ranks 33 of 73 credit unions in Washington by total assets. Total assets fell 1.6% from $273.5M on June 30, 2025. It has 202 fewer members than on June 30, 2025 (-1.9%). Its net worth ratio was up 0.96 percentage points from 14.55% on June 30, 2025. Commercial loans are its largest loan category, $85.1M of $122.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.32% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 14.71% for Q1 2026; 14.55% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 2.41% for Q1 2026 .
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.86% for Q1 2026; 0.98% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 47.77% for Q1 2026; 48.83% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $85.1M
- 1- to 4-family residential and other consumer real estate loans: $26.5M
- Used vehicle loans: $5.2M
- Other secured non-real estate loans and lines of credit: $2.3M
- New vehicle loans: $2.2M
- Unsecured credit card loans: $741K
- Other unsecured loans and lines of credit: $510K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $269.1M | 15.51% | 2.32% | 0.95% | 51.82% |
| March 31, 2026 | $279.3M | 14.71% | 2.41% | 0.86% | 47.77% |
| December 31, 2025 | $280.6M | 14.68% | — | 0.84% | 47.21% |
| September 30, 2025 | $272.3M | 14.91% | — | 1.20% | 49.15% |
| June 30, 2025 | $273.5M | 14.55% | — | 0.98% | 48.83% |
| March 31, 2025 | $281.8M | 13.88% | — | 0.80% | 46.69% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
People's Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24713) · FFIEC NIC profile (RSSD 419282)
Frequently asked questions
Is People's Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, People's Community Federal Credit Union's net worth ratio is 15.51%, above the 7% NCUA threshold for well capitalized.
Is People's Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. People's Community Federal Credit Union is a federally insured credit union (NCUA charter 24713): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are People's Community Federal Credit Union's key safety ratios?
For Q2 2026, People's Community Federal Credit Union reports net worth 15.51%, delinquency 2.32%, ROA 0.95%, loan-to-share 51.82%.
What happens to my money if People's Community Federal Credit Union fails?
For Q2 2026, People's Community Federal Credit Union held $236.7M in shares and deposits for 10,317 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.