Peoples Credit Union Webster City, Iowa
Peoples Credit Union is a state-chartered credit union headquartered in Webster City, IA, established in 1962 (NCUA charter 64140), and it is regulated and insured by the NCUA. At Q2 2026 it reported 5,593 members and total assets of $91.4M (down 0.2% from Q2 2025), the 34th largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 10.57% at Q2 2026, in the well capitalized band.
Also written as Peoples CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64140
- Headquarters
- Webster City, IA
- Established
- 1962
- Total assets, Q2 2026
- $91.4M
- Assets vs Q2 2025
- -0.2%
- Members, Q2 2026
- 5,593
- Net worth ratio, Q2 2026
- 10.57%
- Latest call report
- Q2 2026, NCUA 5300 · Peoples Credit Union call report
- Asset rank in state
- 34th of 65 in Iowa
- Routing number
- 273976592
- Branches
- 2
It has 1,086 fewer members than on June 30, 2025 (-16.3%). Its net worth ratio was unchanged from June 30, 2025. Used vehicle loans are its largest loan category, $25.2M of $61.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.16% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 10.57% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Iowa
Credit unions merged into Peoples Credit Union
Webster City Municipal Credit Union (2017) · Frontier Community Credit Union (2016) · Lehigh Valley Credit Union (2015)
Frequently asked about Peoples Credit Union
How big is Peoples Credit Union?
At Q2 2026 it reported total assets of $91.4M and 5,593 members.
Where is Peoples Credit Union headquartered?
It is headquartered in Webster City, IA, United States.
When was Peoples Credit Union founded?
It was established in 1962, per NCUA records.
Is Peoples Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64140): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Peoples Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Peoples Credit Union well capitalized?
Its net worth ratio was 10.57% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Peoples Credit Union's delinquency ratio?
Its delinquency ratio was 2.16% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Peoples Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 75.98% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Webster City, IA 50595
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1962
- NCUA Charter #
- 64140
- RSSD ID
- 181299
- Members
- 5,593
- Potential members
- 247,167
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 10.57% | 14.31% | 21st bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.57% | 0.72% | 43rd below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.34% | 4.74% | 54th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.90% | 3.93% | 49th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 69.60% | 79.83% | 72nd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.57% | 0.78% | 15th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.16% | 0.86% | 23rd bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.47% | 4.70% | 78th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 75.98% | 58.92% | 75th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$91.4M total assets against $91.6M; $80.8M total shares and deposits against $81.1M; $61.4M total loans against $60.1M.
$9.7M net worth against $9.7M.
10.57% net worth ratio against 10.57%.
75.98% loan-to-share ratio against 74.03%.
2.16% delinquency ratio against 3.26%.
0.57% return on assets against -0.03%; 5.34% return on equity against -0.24%.
3.90% net interest margin against 4.12%.
5,593 members against 6,679.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.57% | 0.57% | 2.16% | 75.98% |
| March 31, 2026 | 10.19% | -0.13% | 1.89% | 74.17% |
| December 31, 2025 | 10.58% | 0.23% | 3.49% | 77.58% |
| September 30, 2025 | 10.57% | -0.25% | 2.82% | 75.32% |
| June 30, 2025 | 10.57% | -0.03% | 3.26% | 74.03% |
| March 31, 2025 | 10.56% | 0.71% | 1.97% | 76.06% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.