BlastPoint's Credit Union Scorecard
PEAKE
Charter #15394 · MD
PEAKE has 2 strengths but faces 10 concerns
How does the industry compare?
What's your peer group doing?
How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 54.3% in tier
- + Members Per Employee (MPE): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 15.2% in tier
- - Stagnation Risk: Bottom 27.5% in tier
- - Membership Headwinds: Bottom 29.3% in tier
- - Credit Quality Pressure: Bottom 29.5% in tier
- - Credit Risk Growth: Bottom 29.5% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 5.43% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 6.5% in tier
- - Fee Income Per Member: Bottom 8.3% in tier
- - Total Assets: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,794
-0.9% YoY-0.5% QoQ
|
-11.0K |
39,752
-2.7% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
15% |
| Assets |
$515.7M
+3.2% YoY-0.3% QoQ
|
$-106.7M |
$622.4M
+0.3% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.7% in tier |
| Loans |
$330.9M
+1.5% YoY+0.3% QoQ
|
$-105.1M |
$435.9M
-0.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.4% in tier |
| Deposits |
$475.2M
+2.3% YoY-0.9% QoQ
|
$-62.8M |
$538.0M
+1.3% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
0.4%
-38.2% YoY+29.9% QoQ
|
-0.3% |
0.7%
+33.9% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
2.5%
+18.1% YoY+2.4% QoQ
|
-0.9% |
3.4%
+8.6% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio |
83.5%
+8.9% YoY-1.5% QoQ
|
+5.4% |
78.1%
-3.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.2%
+1.0% YoY+32.8% QoQ
|
-0.6 |
0.8%
-4.9% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 10.7% in tier |
| Loan To Share |
69.6%
-0.8% YoY+1.3% QoQ
|
-11.4% |
81.0%
-1.8% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$27,995
+2.9% YoY+0.1% QoQ
|
+$2K |
$26,482
+2.6% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
21.8%
+14.3% YoY+3.4% QoQ
|
-2.6% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
41% |
| Indirect Auto % |
12.9%
-5.7% YoY-1.7% QoQ
|
-1.1% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
58% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)