TellerScore

Headquartered in Southfield, Michigan, People Driven Credit Union is a federally insured state-chartered credit union with $520.0M in total assets and $443.9M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1928.

People Driven Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 135th. Problem-loan coverage contributes the most (91/100, 4.3%); earnings contributes the least (49/100, 0.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.06%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity73/100
Loans ÷ shares: 86.8% · 7.3% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 65).

TellerScore
606468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202464
Q4 202460
Q1 202566
Q2 202565
Q3 202566
Q4 202568
Q1 202663
Q2 202665
Net worth ratio
7.00%8.68%10.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.72%
Q3 20249.86%
Q4 20249.92%
Q1 20259.96%
Q2 202510.08%
Q3 202510.24%
Q4 202510.36%
Q1 20269.91%
Q2 202610.06%
Delinquent loans (60+ days)
0.56%0.90%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.91%
Q3 20240.96%
Q4 20241.23%
Q1 20250.85%
Q2 20250.78%
Q3 20250.68%
Q4 20250.56%
Q1 20260.58%
Q2 20260.57%
Return on assets
0.45%0.71%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.89%
Q4 20240.76%
Q1 20250.97%
Q2 20250.90%
Q3 20250.97%
Q4 20250.96%
Q1 20260.45%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$520.0M10.06%0.57%0.72%86.8%
Q1 202663$514.8M9.91%0.58%0.45%86.8%
Q4 202568$497.4M10.36%0.56%0.96%86.9%
Q3 202566$489.3M10.24%0.68%0.97%87.8%
Q2 202565$492.7M10.08%0.78%0.90%84.7%
Q1 202566$488.7M9.96%0.85%0.97%80.0%
Q4 202460$470.8M9.92%1.23%0.76%77.2%
Q3 202464$467.9M9.86%0.96%0.89%74.5%
Q2 202465$473.8M9.72%0.91%0.89%71.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.06%
29th
Problem loans0.57%
58th
Net charge-offs0.70%
20th
Return on assets0.72%
48th
Loans to deposits86.8%
24th
Uninsured deposits7.3%
37th
Loan-loss reserves0.00%
50th
Texas ratio4.3%
47th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Loc Credit UnionCredit union Farmington, MI74 out of 100, Strong$485.0M10.2%0.36%vs
Jolt Credit UnionCredit union Saginaw, MI69 out of 100, Moderate$483.8M10.3%0.43%vs
Cornerstone Community Financial Credit UnionCredit union Auburn Hills, MI62 out of 100, Moderate$470.1M12.1%1.18%vs
Public Service Credit UnionCredit union Romulus, MI69 out of 100, Moderate$467.6M11.6%1.03%vs
Wmcu Credit UnionCredit union Grand Rapids, MI84 out of 100, Strong$455.3M17.3%0.92%vs
Diversified Members Credit UnionCredit union Detroit, MI67 out of 100, Moderate$588.5M14.7%1.73%vs

Deposit insurance

Is my money safe at People Driven Credit Union?

Yes. People Driven Credit Union is a federally insured credit union (NCUA charter #61068). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.3% of shares and deposits ($32.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.06%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

People Driven Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
People Driven Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61068
RSSD ID
148498
Primary regulator
State + NCUA
Established
1928
Headquarters
24333 Lahser Rd, Southfield, MI 48033
Employees
126

Quick answers

People Driven Credit Union: common questions

Is People Driven Credit Union NCUA insured?

Yes. People Driven Credit Union is a federally insured credit union (NCUA charter #61068). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is People Driven Credit Union's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does People Driven Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Southfield

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
I.M. Detroit District Credit UnionCredit union Detroit, MI93 out of 100, Very strong$1.9M28.1%0.00%vs
The Local Credit UnionCredit union Sterling Height, MI92 out of 100, Very strong$106.6M16.1%0.26%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs