Comparison · Q2 2026 call reports
Coastal1 Credit Union vs The Peoples Credit Union
Coastal1 Credit Union is the larger, with $3.49 billion in assets and 145,728 members, against $811 million and 40,885 for The Peoples Credit Union (about 4.3 times the assets). Coastal1 Credit Union has the higher net worth ratio, 10.71% against 10.00%; The Peoples Credit Union reported the lower new auto loan rate, 6.00% against 6.17%; and Coastal1 Credit Union paid members more on deposits, 2.45% of balances against 1.33%. Figures are from the call reports each filed with NCUA for the quarter ended June 30, 2026.
Charter 67278 · Pawtucket, RI
Coastal1 Credit Union
Rhode Island charter, opened 1926. NCUA peer group: $500 million and up. 19 offices in NCUA's branch file, in 2 states.
Membership is limited to its field of membership; check its eligibility rules on its own website.
Charter 65861 · Middletown, RI
The Peoples Credit Union
Rhode Island charter, opened 1922. NCUA peer group: $500 million and up. 6 offices in NCUA's branch file.
Membership is limited to its field of membership; check its eligibility rules on its own website.
| Figure | Coastal1 Credit Union | The Peoples Credit Union |
|---|---|---|
| Size | ||
| Total assets | $3.5B81 | $811M27 |
| Members | 145,72874 | 40,88519 |
| Loans outstanding | $3.0B83 | $652M34 |
| Shares and deposits | $2.7B80 | $639M21 |
| Net worth | $371M80 | $80.8M23 |
| Branches | 1972 | 614 |
| Employees | 28862 | 12821 |
| Growth (12 months) | ||
| Asset growth | +2.70%29 | +1.51%20 |
| Member growth | +2.57%59 | -2.29%16 |
| Loan growth | +1.30%26 | -2.11%11 |
| Deposit growth | +3.97%43 | +3.11%34 |
| Capital and reserves | ||
| Net worth ratio | 10.71%48 | 10.00%34 |
| Loss reserves to loans | 0.42%9 | 0.23%2 |
| Loss reserves to late loans | 1.93x72 | 0.40x2 |
| Earnings | ||
| Return on assets | 0.74%44 | 0.26%10 |
| Net interest margin | 2.10%2 | 2.71%10 |
| Dividends paid on deposits | 2.45%92 | 1.33%23 |
| Cost of funds | 2.38%93 | 1.47%40 |
| Efficiency ratio | 69.01%66 | 90.63%3 |
| Operating expense to assets | 1.81%96 | 3.08%68 |
| Non-interest income to assets | 0.53%9 | 0.69%19 |
| Fee income per member | $4581 | $6167 |
| Credit loss expense to loans | 0.09%93 | 0.07%94 |
| Loan quality | ||
| Loans 60+ days late | 0.22%93 | 0.57%63 |
| Net charge-off rate | 0.06%95 | 0.03%98 |
| Loan rates on the call report | ||
| New auto loan rate | 6.17%23 | 6.00%27 |
| Used auto loan rate | 7.08%22 | 7.00%23 |
| Credit card rate | – | 12.49%55 |
| Personal loan rate | 10.49%74 | 14.75%18 |
| First mortgage rate | 6.13%39 | 6.00%46 |
| Home equity rate | 5.99%88 | 6.50%73 |
| Lending | ||
| Loan-to-share ratio | 109%97 | 102%92 |
| Auto loans, share of loans | 25.34%46 | 17.63%26 |
| Home loans, share of loans | 58.57%78 | 65.23%87 |
| Credit cards, share of loans | 0.00%4 | 0.07%9 |
| Business loans, share of loans | 7.83%36 | 11.78%50 |
| Auto loans outstanding | $752M81 | $115M22 |
| Home loans outstanding | $1.7B88 | $425M52 |
| Credit card balances | $04 | $483K9 |
| Business loans outstanding | $232M69 | $76.8M40 |
| Private student loans | $028 | $028 |
| Average loan size | $51K95 | $59K96 |
| Deposits | ||
| Certificates, share of deposits | 48.30%98 | 24.75%33 |
| Core deposits, share of deposits | 45.67%4 | 72.77%76 |
| Deposits over $250,000 | 8.09%43 | 10.89%69 |
| Average deposits per member | $19K79 | $16K55 |
| Liquidity | ||
| Investments to assets | 5.41%23 | 8.36%37 |
| Cash to assets | 6.97%45 | 4.82%23 |
| Borrowings to assets | 10.83%92 | 11.22%93 |
| Operations | ||
| Members per employee | 51291 | 32636 |
| Assets per employee | $12.3M95 | $6.5M54 |
| Members per branch | 7,67062 | 6,81453 |
| Field of membership reached | 29.15%87 | 3.65%40 |
Bold marks the more member-friendly figure where one direction is better (higher capital and earnings, lower late loans, fees and loan rates). Small numbers are each credit union's percentile within its own NCUA peer group (100 is best). Loan rates are what each reported on its call report, not offers. Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or either credit union.
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Questions people ask
Which is bigger, Coastal1 Credit Union or The Peoples Credit Union?
Coastal1 Credit Union, with $3.49 billion in assets and 145,728 members at June 30, 2026, against $811 million and 40,885 for The Peoples Credit Union, according to their NCUA call reports.
Which has lower auto loan rates, Coastal1 Credit Union or The Peoples Credit Union?
The Peoples Credit Union reported the lower new auto loan rate on its Q2 2026 call report: 6.00%, against 6.17% for Coastal1 Credit Union. Used auto: Coastal1 Credit Union 7.08%, The Peoples Credit Union 7.00%. These are reported rates, not offers.
Are Coastal1 Credit Union and The Peoples Credit Union federally insured?
Coastal1 Credit Union is federally insured by NCUA's Share Insurance Fund, up to $250,000 per member per ownership category. The Peoples Credit Union is federally insured by NCUA's Share Insurance Fund, up to $250,000 per member per ownership category.