People Trust Community Federal Credit Union
Little Rock, AR·Charter 24940·cu:24940·Credit union RBC / net worth
Performance over time
6 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at People Trust Community Federal Credit Union
11 of 18 FORFI signals stand out against 2507 similar credit unions, based on NCUA data for the quarter.
Borrowed funding rising while the peer median holds steadyWorth a look: Funding25.4%peers 0.0%+25.4 pp
People Trust Community Federal Credit Union's borrowings as a share of assets rose 25.4 percentage points over the past year to 25.4%. Among 2500 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 25.4% | 0.0% | +25.4 pp |
| 12-month change | ||
| +25.4 pp | 0.0 pp | +25.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. People Trust Community Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality99.61%peers 0.08%+9953 bps
People Trust Community Federal Credit Union's annualized net charge-off rate rose 9961 bps over the past year to 99.61%. Among 2485 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 99.61% | 0.08% | +9953 bps |
| 12-month change | ||
| +9961 bps | 0 bps | +9961 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. People Trust Community Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio falling while the peer median risesWorth a look: Capital-91.10%peers 14.28%-105.4 pp
People Trust Community Federal Credit Union's net worth ratio fell 100.0 percentage points over the past year to -91.10%. Among 2500 similar credit unions, the median rose 0.5 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| -91.10% | 14.28% | -105.4 pp |
| 12-month change | ||
| -100.0 pp | +0.5 pp | -100.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. People Trust Community Federal Credit Union itself is left out of every peer median and percentile. How signals work
Return on assets falling faster than peersWorth a look: Earnings-143.25%peers 0.62%-14387 bps
People Trust Community Federal Credit Union's annualized return on assets fell 12819 bps over the past year to -143.25%. Among 2496 similar credit unions, the median fell 7 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| -143.25% | 0.62% | -14387 bps |
| 12-month change | ||
| -12819 bps | -7 bps | -12812 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. People Trust Community Federal Credit Union itself is left out of every peer median and percentile. How signals work
Membership growing while the peer median shrinksStrength: Membership+31.2%peers -1.4%+32.6 pp
People Trust Community Federal Credit Union's membership grew 31.2% over the past year. The median among 2500 similar credit unions was -1.4%.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| +31.2% | -1.4% | +32.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. People Trust Community Federal Credit Union itself is left out of every peer median and percentile. How signals work
6 more observations
- Net interest margin narrowing while the peer median widensEarnings
- Delinquent loans rising while the peer median holds steadyAsset quality
- Share and deposit costs falling while the peer median holds steadyFunding
- Reliance on share certificates falling while the peer median holds steadyFunding
- Fee and other noninterest income among the highest of similar credit unionsEarnings
- Share and deposit costs among the highest of similar credit unionsFunding
Key facts
- People Trust Community Federal Credit Union is a federally chartered credit union headquartered in Little Rock, Arkansas. It reported $1.5 million in total assets for the quarter ended March 31, 2026.
- Shares and deposits totaled $2.5 million, up 3.7% from a year earlier, and loans totaled $819,534, down 2.6%.
- Its net interest margin on average assets was -0.24% and its annualized return on assets was -143.25% for the quarter.
- Its cost of all shares and deposits was 2.71%, compared with a median of 0.90% among 2505 similar credit unions with under $100 million in assets.
- It served 1,830 members, up 31.2% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With People Trust Community Federal Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- People Trust Community Federal Credit Union · Credit union
- NCUA charter
- 24940
- Reporting period
- Peer group
- 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. People Trust Community Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| -$724.91K | |
| $18.51K | |
| $19.74K | |
| -$1.23K | |
| $28.38K | |
| $507.56K | |
| $244.49K | |
| — | |
| -143.25% | |
| -0.24% | |
| 1869.96% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-14T14:00:24.523718+00:00. Separate reference provenance is included in the export.