THE PEOPLES
State-Chartered • Middletown, Rhode Island • Est. 1922
Quick Facts
- Charter Number
- #65861
- Type
- State-Chartered
- Established
- 1922
- Headquarters
- Middletown, Rhode Island 02842
- Address
- 858 W Main Rd
- Branches
- 6
- ATMs
- 6
- Members
- 41,380
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
41,380 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | THE PEOPLES |
|---|---|
| Total Assets | $807.9M |
| Members | 41,380 |
| Loans Outstanding | $665.0M |
| Shares & Deposits | $625.8M |
| Net Worth | $79.8M |
| Net Worth Ratio | 10.00% |
| Loan-to-Share Ratio | 106.3% |
| Delinquency Rate | 0.40% |
| Net Income | +$1,515,925 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 6 ATMs
Peoples Credit Union
Main Office858 W Main Rd
Middletown, RI 02842
Peoples Credit Union
43 Memorial Blvd
Newport, RI 02840
Peoples Credit Union
150 Old Tower Hill Rd
Wakefield, RI 02879
Peoples Credit Union
50 Gooding Ave
Bristol, RI 02809
Peoples Credit Union
7490 Post Rd
N Kingstown, RI 02852
Who Can Join THE PEOPLES?
Membership Type: Community
Membership eligibility for THE PEOPLES may vary. Contact the credit union directly to confirm qualification requirements.
Contact THE PEOPLES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Rhode Island RankingsFrequently Asked Questions
Yes. THE PEOPLES is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, THE PEOPLES has 41,380 members and a potential membership field of 1,121,190 people.
THE PEOPLES's net worth ratio is 10.00% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.0%, THE PEOPLES meets this threshold.
THE PEOPLES operates 6 branch locations and has access to 6 ATMs. The main office is located at 858 W Main Rd, Middletown, RI 02842.
THE PEOPLES was established in 1922. It is a state-chartered credit union chartered under charter number 65861. The institution has been serving members for 104 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or THE PEOPLES. All financial data is for informational purposes only.