TellerScore

Headquartered in Vancouver, Washington, People'S Community Federal Credit Union is a federal credit union with $269.1M in total assets and $236.7M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1952.

People'S Community Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 33rd. Capital cushion contributes the most (100/100, 15.51%); loan quality contributes the least (23/100, 2.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.51%
Loan quality23/100
Loans 60+ days delinquent ÷ total loans: 2.32%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity100/100
Loans ÷ shares: 51.8% · 3.8% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.82%

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

From Q2 2025 to Q2 2026, the score fell 19 points (90 → 71), mostly because the loan quality component weakened by 77 points.

TellerScore
698192Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202488
Q4 202486
Q1 202587
Q2 202590
Q3 202592
Q4 202591
Q1 202669
Q2 202671
Net worth ratio
7.00%11.25%15.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.60%
Q3 202414.01%
Q4 202414.03%
Q1 202513.88%
Q2 202514.55%
Q3 202514.91%
Q4 202514.68%
Q1 202614.71%
Q2 202615.51%
Delinquent loans (60+ days)
0.00%1.21%2.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.19%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20262.41%
Q2 20262.32%
Return on assets
0.79%0.90%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.82%
Q4 20240.79%
Q1 20250.80%
Q2 20250.90%
Q3 20251.00%
Q4 20250.94%
Q1 20260.86%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$269.1M15.51%2.32%0.92%51.8%
Q1 202669$279.3M14.71%2.41%0.86%47.8%
Q4 202591$280.6M14.68%0.00%0.94%47.2%
Q3 202592$272.3M14.91%0.00%1.00%49.1%
Q2 202590$273.5M14.55%0.00%0.90%48.8%
Q1 202587$281.8M13.88%0.00%0.80%46.7%
Q4 202486$274.8M14.03%0.19%0.79%46.8%
Q3 202488$271.7M14.01%0.00%0.82%47.7%
Q2 202486$275.9M13.60%0.00%0.83%47.6%

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 ratio15.51%
88th
Problem loans2.32%
4th
Net charge-offs0.01%
96th
Return on assets0.92%
62nd
Loans to deposits51.8%
88th
Uninsured deposits3.8%
74th
Loan-loss reserves0.00%
50th
Texas ratio6.8%
26th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Puget Sound CooperativeCredit union Bellevue, WA65 out of 100, Moderate$273.8M11.2%0.57%vs
Peninsula Community Federal Credit UnionCredit union Shelton, WA68 out of 100, Moderate$304.2M11.7%1.06%vs
Northwest Plus Credit UnionCredit union Everett, WA77 out of 100, Strong$315.2M13.6%0.80%vs
Canopy Federal Credit UnionCredit union Spokane, WA51 out of 100, Below average$222.0M9.0%0.86%vs
Great Northwest Federal Credit UnionCredit union Aberdeen, WA86 out of 100, Very strong$374.8M17.1%0.75%vs
Mountaincrest Credit UnionCredit union Arlington, WA67 out of 100, Moderate$152.9M14.4%2.22%vs

Deposit insurance

Is my money safe at People'S Community Federal Credit Union?

Yes. People'S Community Federal Credit Union is a federally insured credit union (NCUA charter #24713). 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 3.8% of shares and deposits ($8.9M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.51%, well 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'S Community Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, People'S Community Federal Credit Union reported 7 home-loan applications under HMDA (LEI 254900MRUZFHXLEPLR52): 4 originated ($540,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 42.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
People'S Community Federal Credit Union
Type
Federal credit union
NCUA charter #
24713
RSSD ID
419282
Primary regulator
NCUA
Established
1952
Headquarters
Po Box 764, Vancouver, WA 98666
Employees
39

Quick answers

People'S Community Federal Credit Union: common questions

Is People'S Community Federal Credit Union NCUA insured?

Yes. People'S Community Federal Credit Union is a federally insured credit union (NCUA charter #24713). 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'S Community Federal Credit Union's TellerScore?

71 out of 100 (Strong), 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'S Community Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

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