Credit Union Safety Analysis
Is Peoples Credit Union Safe? Springfield, Colorado
Based on its Q2 2026 NCUA 5300 call report, Peoples Credit Union has a net worth ratio of 19.42%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.16%, 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, Peoples Credit Union's net worth ratio is 19.42%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.42%
- Delinquency ratio (60+ days) (Q2 2026): 0.16%
- Return on assets (Q2 2026): 1.53%
- Loan-to-share ratio (Q2 2026): 104.90%
Peoples Credit Union (NCUA charter 66155, established 1956) reported $75.0M in assets and 3,573 members for Q2 2026 from Springfield, Colorado. It ranks 41 of 61 credit unions in Colorado by total assets. Total assets fell 0.7% from $75.5M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 19.36% for Q1 2026; 17.72% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.23% for Q1 2026; 0.03% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.64% for Q1 2026; 1.73% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 99.15% for Q1 2026; 90.02% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $26.0M
- 1- to 4-family residential and other consumer real estate loans: $24.2M
- Used vehicle loans: $7.0M
- Other secured non-real estate loans and lines of credit: $3.5M
- Other unsecured loans and lines of credit: $1.2M
- New vehicle loans: $806K
- Unsecured credit card loans: $121K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $75.0M | 19.42% | 0.16% | 1.53% | 104.90% |
| March 31, 2026 | $73.7M | 19.36% | 0.23% | 1.64% | 99.15% |
| December 31, 2025 | $73.5M | 19.00% | 0.39% | 1.62% | 100.71% |
| September 30, 2025 | $72.8M | 18.80% | 0.08% | 1.68% | 97.59% |
| June 30, 2025 | $75.5M | 17.72% | 0.03% | 1.73% | 90.02% |
| March 31, 2025 | $73.2M | 17.84% | 0.03% | 1.18% | 90.32% |
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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.
Regulator records: NCUA credit union profile (charter 66155) · FFIEC NIC profile (RSSD 56892)
Frequently asked questions
Is Peoples Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Peoples Credit Union's net worth ratio is 19.42%, above the 7% NCUA threshold for well capitalized.
Is Peoples Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Peoples Credit Union is a federally insured credit union (NCUA charter 66155): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Peoples Credit Union's key safety ratios?
For Q2 2026, Peoples Credit Union reports net worth 19.42%, delinquency 0.16%, ROA 1.53%, loan-to-share 104.90%.
What happens to my money if Peoples Credit Union fails?
For Q2 2026, Peoples Credit Union held $60.0M in shares and deposits for 3,573 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.