Headquartered in Middletown, Rhode Island, The Peoples Credit Union is a federally insured state-chartered credit union with $811.2M in total assets and $639.1M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1922.
Based on its Q2 2026 filing, The Peoples Credit Union scores 59/100, which we describe as moderate. That is higher than only 19% of 1,341 credit unions with $100 million – $1 billion. Among 14 credit unions headquartered in Rhode Island, it ranks 13th. Its strongest component is problem-loan coverage (91/100; 4.6%), and its lowest is earnings (30/100; 0.26%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (60 → 59).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 61 |
| Q4 2024 | 61 |
| Q1 2025 | 59 |
| Q2 2025 | 60 |
| Q3 2025 | 60 |
| Q4 2025 | 60 |
| Q1 2026 | 60 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.46% |
| Q3 2024 | 10.59% |
| Q4 2024 | 10.57% |
| Q1 2025 | 10.26% |
| Q2 2025 | 10.02% |
| Q3 2025 | 10.10% |
| Q4 2025 | 10.00% |
| Q1 2026 | 10.01% |
| Q2 2026 | 10.00% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.40% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.57% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.03% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.06% |
| Q1 2025 | -0.03% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $811.2M | 10.00% | 0.57% | 0.26% | 102.0% |
| Q1 2026 | 60 | $801.9M | 10.01% | 0.40% | 0.22% | 103.0% |
| Q4 2025 | 60 | $807.9M | 10.00% | 0.40% | 0.22% | 106.3% |
| Q3 2025 | 60 | $810.4M | 10.10% | 0.40% | 0.17% | 108.4% |
| Q2 2025 | 60 | $799.1M | 10.02% | 0.27% | 0.10% | 107.5% |
| Q1 2025 | 59 | $772.4M | 10.26% | 0.35% | -0.03% | 106.3% |
| Q4 2024 | 61 | $747.0M | 10.57% | 0.39% | 0.06% | 104.7% |
| Q3 2024 | 61 | $749.9M | 10.59% | 0.47% | 0.12% | 104.1% |
| Q2 2024 | 61 | $740.7M | 10.46% | 0.29% | -0.03% | 103.5% |
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).
Similar-size credit unions in Rhode Island
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Greenwood Credit UnionCredit union Warwick, RI | 67 out of 100, Moderate | $957.3M | 10.1% | 0.48% | vs |
| Westerly Community Credit UnionCredit union Wakefield, RI | 66 out of 100, Moderate | $519.9M | 9.4% | 0.21% | vs |
| Rhode Island Credit UnionCredit union Warwick, RI | 65 out of 100, Moderate | $425.1M | 10.4% | 0.38% | vs |
| Ocean State Credit UnionCredit union Coventry, RI | 53 out of 100, Below average | $350.7M | 11.4% | 1.55% | vs |
| Wave Federal Credit UnionCredit union Warwick, RI | 71 out of 100, Strong | $156.8M | 12.3% | 0.93% | vs |
Deposit insurance
Is my money safe at The Peoples Credit Union?
Yes. The Peoples Credit Union is a federally insured credit union (NCUA charter #65861). 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 10.9% of shares and deposits ($69.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.00%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
The Peoples Credit Union lists 5 offices in 5 cities. Most locations:
- Bristol, RI (1)
- Middletown, RI (1)
- N Kingstown, RI (1)
- Portsmouth, RI (1)
- Wakefield, RI (1)
Identity & history
Profile
- Legal name
- The Peoples Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 65861
- RSSD ID
- 47292
- Primary regulator
- State + NCUA
- Established
- 1922
- Headquarters
- 858 W Main Rd, Middletown, RI 02842
- Employees
- 128
Quick answers
The Peoples Credit Union: common questions
Is The Peoples Credit Union NCUA insured?
Yes. The Peoples Credit Union is a federally insured credit union (NCUA charter #65861). 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 The Peoples Credit Union's TellerScore?
59 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 The Peoples Credit Union have?
5 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Middletown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Natco Employees Federal Credit UnionCredit union West Warwick, RI | 93 out of 100, Very strong | $208K | 17.4% | 0.00% | vs |
| First Citizens' Federal Credit UnionCredit union Fairhaven, MA | 83 out of 100, Strong | $705.9M | 20.2% | 0.77% | vs |
| Somerset Federal Credit UnionCredit union Somerset, MA | 78 out of 100, Strong | $263.3M | 12.5% | 0.19% | vs |
| Mechanics Cooperative BankBank Taunton, MA | 77 out of 100, Strong | $898.8M | 12.4% | 0.03% | vs |
| Westport Federal Credit UnionCredit union Westport, MA | 75 out of 100, Strong | $82.2M | 9.9% | 0.37% | vs |
| St. Anthony of Padua Federal Credit UnionCredit union Fall River, MA | 75 out of 100, Strong | $38.4M | 19.6% | 1.91% | vs |