TellerScore

Peoples Federal Credit Union (NCUA charter #16993) is based in Nitro, West Virginia. Its Q2 2026 call report shows $130.6M in total assets and $108.3M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Peoples Federal Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 74 credit unions headquartered in West Virginia, it ranks 43rd. Its strongest component is capital cushion (100/100; 16.53%), and its lowest is loan quality (27/100; 2.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.53%
Loan quality27/100
Loans 60+ days delinquent ÷ total loans: 2.19%
Earnings59/100
Return on assets (annualized): 0.99%
Funding & liquidity74/100
Loans ÷ shares: 86.2% · 2.9% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.62%

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 5 points (73 → 68), mostly because the earnings component weakened by 41 points.

TellerScore
677481Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202481
Q4 202473
Q1 202580
Q2 202573
Q3 202577
Q4 202567
Q1 202672
Q2 202668
Net worth ratio
7.00%11.77%16.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.96%
Q3 202415.66%
Q4 202415.91%
Q1 202515.87%
Q2 202516.06%
Q3 202516.47%
Q4 202516.31%
Q1 202616.15%
Q2 202616.53%
Delinquent loans (60+ days)
1.20%1.97%2.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.95%
Q3 20241.20%
Q4 20241.97%
Q1 20251.59%
Q2 20252.39%
Q3 20251.95%
Q4 20252.73%
Q1 20261.55%
Q2 20262.19%
Return on assets
0.77%1.56%2.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.76%
Q3 20241.81%
Q4 20241.67%
Q1 20252.36%
Q2 20252.13%
Q3 20251.95%
Q4 20251.64%
Q1 20260.77%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$130.6M16.53%2.19%0.99%86.2%
Q1 202672$131.3M16.15%1.55%0.77%86.3%
Q4 202567$128.4M16.31%2.73%1.64%90.0%
Q3 202577$125.6M16.47%1.95%1.95%92.8%
Q2 202573$125.7M16.06%2.39%2.13%94.1%
Q1 202580$123.4M15.87%1.59%2.36%96.0%
Q4 202473$118.5M15.91%1.97%1.67%101.3%
Q3 202481$118.0M15.66%1.20%1.81%103.2%
Q2 202473$119.9M14.96%1.95%1.76%101.9%

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 ratio16.53%
92nd
Problem loans2.19%
5th
Net charge-offs1.34%
5th
Return on assets0.99%
65th
Loans to deposits86.2%
26th
Uninsured deposits2.9%
84th
Loan-loss reserves0.00%
50th
Texas ratio9.6%
14th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs
The United Federal Credit UnionCredit union Morgantown, WV57 out of 100, Moderate$109.2M27.6%3.21%vs
Star USA Federal Credit UnionCredit union Charleston, WV62 out of 100, Moderate$153.0M10.6%0.98%vs
One Community Federal Credit UnionCredit union Parkersburg, WV63 out of 100, Moderate$100.9M10.9%1.15%vs
Long Reach Federal Credit UnionCredit union Middlebourne, WV65 out of 100, Moderate$193.2M9.9%1.08%vs
Pioneer Appalachia Federal Credit UnionCredit union Charleston, WV76 out of 100, Strong$245.2M11.3%0.07%vs

Deposit insurance

Is my money safe at Peoples Federal Credit Union?

Yes. Peoples Federal Credit Union is a federally insured credit union (NCUA charter #16993). 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 2.9% of shares and deposits ($3.1M) 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 16.53%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Peoples Federal Credit Union lists 4 offices in 4 cities. Most locations:

  • Cross Lanes, WV (1)
  • Eleanor, WV (1)
  • Nitro, WV (1)
  • Point Pleasant, WV (1)

All branch addresses and map

Identity & history

Profile

Legal name
Peoples Federal Credit Union
Type
Federal credit union
NCUA charter #
16993
RSSD ID
987080
Primary regulator
NCUA
Established
1965
Headquarters
419 1st Ave S, Nitro, WV 25143
Employees
30

Quick answers

Peoples Federal Credit Union: common questions

Is Peoples Federal Credit Union NCUA insured?

Yes. Peoples Federal Credit Union is a federally insured credit union (NCUA charter #16993). 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 Federal Credit Union's TellerScore?

68 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 Peoples Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Nitro

InstitutionScoreAssetsCapitalProblem loansCompare
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%vs
Wv National Guard Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$51.6M14.8%0.00%vs
Camc Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$80.3M28.3%0.01%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs