PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

People's Community

Vancouver, WA · Charter 24713

NCUA · 5 branches

Q2 2026

$269.1MAssets
$122.7MLoans
$236.7MShares
$41.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.92%, up 2 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 2.32% of loans (+232 bps YoY).
  • Capital: net worth / assets of 15.51%, up 96 bps from a year ago.
  • Funding: loans stand at 51.82% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.92%+2 bps YoY

Net Interest Margin (quarter, annualized)

2.90%+18 bps YoY

Efficiency Ratio (quarter, annualized)

70.83%-116 bps YoY

Net Worth / Assets

15.51%+96 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.79%0.80%0.90%1.00%0.94%0.86%0.92%+2 bps
Return on Equity5.85%5.66%5.76%6.18%6.73%6.40%5.86%5.94%-25 bps
Net Interest Margin2.60%2.57%2.55%2.73%2.82%2.75%2.66%2.90%+18 bps
Efficiency Ratio74.01%74.10%73.29%71.99%70.18%70.42%72.70%70.83%-116 bps
Growth
Asset Growth (YoY)-2.85%-1.62%0.52%-0.86%0.20%2.14%-0.87%-1.64%-78 bps
Loan Growth (YoY)-2.67%-4.91%1.03%0.31%2.18%1.31%0.30%3.49%+318 bps
Share Growth (YoY)-5.41%-2.21%-0.44%-2.19%-0.76%0.40%-1.98%-2.48%-29 bps
Asset Quality
Delinquent Loans / Loans0.00%0.19%0.00%0.00%0.00%0.00%2.41%2.32%+232 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.01%14.04%13.89%14.55%14.92%14.68%14.71%15.51%+96 bps
Net Worth / Assets14.01%14.04%13.89%14.55%14.92%14.68%14.71%15.51%+96 bps
Liquidity & Funding
Loans / Shares47.74%46.79%46.69%48.83%49.15%47.21%47.77%51.82%+299 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps