Peoples Credit Union Springfield, Colorado
Peoples Credit Union is a state-chartered credit union headquartered in Springfield, CO, established in 1956 (NCUA charter 66155), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,573 members and total assets of $75.0M (down 0.7% from Q2 2025), the 41st largest of 61 credit unions headquartered in Colorado. Its net worth ratio was 19.42% at Q2 2026, in the well capitalized band.
Also written as Peoples CU
BankRegReports is independent of Peoples Credit Union and never asks for online banking logins or passwords.
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
- 66155
- Headquarters
- Springfield, CO
- Established
- 1956
- Total assets, Q2 2026
- $75.0M
- Assets vs Q2 2025
- -0.7%
- Members, Q2 2026
- 3,573
- Net worth ratio, Q2 2026
- 19.42%
- Latest call report
- Q2 2026, NCUA 5300 · Peoples Credit Union call report
- Asset rank in state
- 41st of 61 in Colorado
- Routing number
- 302177479
- Branches
- 2
It has 59 fewer members than on June 30, 2025 (-1.6%). Its net worth ratio was up 1.70 percentage points from 17.72% on June 30, 2025. Commercial loans are its largest loan category, $26.0M of $63.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.16% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 19.42% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Colorado
Credit unions merged into Peoples Credit Union
Frequently asked about Peoples Credit Union
How big is Peoples Credit Union?
At Q2 2026 it reported total assets of $75.0M and 3,573 members.
Where is Peoples Credit Union headquartered?
It is headquartered in Springfield, CO, United States.
When was Peoples Credit Union founded?
It was established in 1956, 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 66155): 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 19.42% 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 0.16% 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 104.90% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Springfield, CO 81073
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 66155
- RSSD ID
- 56892
- Members
- 3,573
- Potential members
- 58,707
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 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 19.42% | 14.31% | 75th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.53% | 0.72% | 81st top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.88% | 4.74% | 70th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.91% | 3.93% | 84th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 69.00% | 79.83% | 73rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.85% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.16% | 0.86% | 87th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.76% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 104.90% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$75.0M total assets against $75.5M; $60.0M total shares and deposits against $61.7M; $63.0M total loans against $55.6M.
$14.6M net worth against $13.4M.
19.42% net worth ratio against 17.72%.
104.90% loan-to-share ratio against 90.02%.
0.16% delinquency ratio against 0.03%.
1.53% return on assets against 1.73%; 7.88% return on equity against 9.78%.
4.91% net interest margin against 4.54%.
3,573 members against 3,632.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 19.42% | 1.53% | 0.16% | 104.90% |
| March 31, 2026 | 19.36% | 1.64% | 0.23% | 99.15% |
| December 31, 2025 | 19.00% | 1.62% | 0.39% | 100.71% |
| September 30, 2025 | 18.80% | 1.68% | 0.08% | 97.59% |
| June 30, 2025 | 17.72% | 1.73% | 0.03% | 90.02% |
| March 31, 2025 | 17.84% | 1.18% | 0.03% | 90.32% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.