Peoples Credit Union (NCUA charter #64140) is based in Webster City, Iowa. Its Q2 2026 call report shows $91.4M in total assets and $80.8M in member shares and deposits and 2 offices.
Peoples Credit Union has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 60th. Funding & liquidity contributes the most (84/100, 76% loans-to-deposits, 9% uninsured); loan quality contributes the least (28/100, 2.16%).
TellerScore · Q2 2026
Scorecard
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 rose 7 points (43 → 50), mostly because the loan quality component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 34 |
| Q3 2024 | 38 |
| Q4 2024 | 41 |
| Q1 2025 | 55 |
| Q2 2025 | 43 |
| Q3 2025 | 43 |
| Q4 2025 | 40 |
| Q1 2026 | 48 |
| Q2 2026 | 50 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.55% |
| Q3 2024 | 10.44% |
| Q4 2024 | 10.66% |
| Q1 2025 | 10.56% |
| Q2 2025 | 10.57% |
| Q3 2025 | 10.57% |
| Q4 2025 | 10.58% |
| Q1 2026 | 10.19% |
| Q2 2026 | 10.57% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.48% |
| Q3 2024 | 2.51% |
| Q4 2024 | 2.34% |
| Q1 2025 | 1.97% |
| Q2 2025 | 3.26% |
| Q3 2025 | 2.82% |
| Q4 2025 | 3.49% |
| Q1 2026 | 1.89% |
| Q2 2026 | 2.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.99% |
| Q3 2024 | -0.81% |
| Q4 2024 | -0.57% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.17% |
| Q1 2026 | -0.13% |
| Q2 2026 | 0.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $91.4M | 10.57% | 2.16% | 0.22% | 76.0% |
| Q1 2026 | 48 | $93.6M | 10.19% | 1.89% | -0.13% | 74.2% |
| Q4 2025 | 40 | $90.4M | 10.58% | 3.49% | 0.17% | 77.6% |
| Q3 2025 | 43 | $90.9M | 10.57% | 2.82% | 0.15% | 75.3% |
| Q2 2025 | 43 | $91.6M | 10.57% | 3.26% | 0.34% | 74.0% |
| Q1 2025 | 55 | $91.6M | 10.56% | 1.97% | 0.71% | 76.1% |
| Q4 2024 | 41 | $89.1M | 10.66% | 2.34% | -0.57% | 81.6% |
| Q3 2024 | 38 | $91.2M | 10.44% | 2.51% | -0.81% | 82.5% |
| Q2 2024 | 34 | $91.2M | 10.55% | 3.48% | -0.99% | 81.3% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Class Community Credit UnionCredit union West Des Moines, IA | 78 out of 100, Strong | $95.8M | 10.8% | 0.37% | vs |
| Power Co-Op Employees Credit UnionCredit union Humboldt, IA | 66 out of 100, Moderate | $85.6M | 13.7% | 2.29% | vs |
| Journey Credit UnionCredit union Des Moines, IA | 85 out of 100, Very strong | $97.6M | 16.9% | 1.11% | vs |
| Members Community Credit UnionCredit union Muscatine, IA | 82 out of 100, Strong | $99.2M | 12.5% | 0.25% | vs |
| Des Moines Metro Credit UnionCredit union Des Moines, IA | 79 out of 100, Strong | $77.7M | 12.6% | 0.67% | vs |
| Lennox Employees Credit UnionCredit union Marshalltown, IA | 55 out of 100, Moderate | $73.4M | 8.6% | 0.89% | vs |
Deposit insurance
Is my money safe at Peoples Credit Union?
Yes. Peoples Credit Union is a federally insured credit union (NCUA charter #64140). 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 9.3% of shares and deposits ($7.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 10.57%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Peoples Credit Union lists 2 offices in 2 cities. Most locations:
- Fort Dodge, IA (1)
- Webster City, IA (1)
Identity & history
Profile
- Legal name
- Peoples Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64140
- RSSD ID
- 181299
- Primary regulator
- State + NCUA
- Established
- 1962
- Headquarters
- Po Box 545, Webster City, IA 50595
- Employees
- 22
Quick answers
Peoples Credit Union: common questions
Is Peoples Credit Union NCUA insured?
Yes. Peoples Credit Union is a federally insured credit union (NCUA charter #64140). 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 Peoples Credit Union's TellerScore?
50 out of 100 (Below average), 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 Peoples Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Webster City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Bank and Trust CompanyBank Hampton, IA | 97 out of 100, Very strong | $228.4M | 14.8% | 0.00% | vs |
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| First Citizens BankBank Mason City, IA | 81 out of 100, Strong | $1.8B | 12.0% | 0.16% | vs |
| First BankBank Waverly, IA | 78 out of 100, Strong | $739.9M | 12.7% | 0.54% | vs |