BlastPoint's Credit Union Scorecard
PEAKE
Charter #15394 · MD
PEAKE has 2 strengths but faces 9 concerns
How does the industry compare?
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How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 7.3% in tier
- + Total Delinquency Rate (60+ days): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 41.5% in tier
- - Membership Headwinds: Bottom 80.3% in tier
- - Stagnation Risk: Bottom 87.7% in tier
- - Credit Quality Pressure: Bottom 94.3% in tier
- - Credit Risk Growth: Bottom 99.3% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 5.08% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 6.7% in tier
- - Fee Income Per Member: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,570
-1.3% YoY-0.8% QoQ
|
-10.0K |
38,575
-4.8% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 14.5% in tier |
| Assets |
$523.1M
+3.8% YoY+1.4% QoQ
|
$-98.6M |
$621.7M
+0.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.3% in tier |
| Loans |
$332.0M
+1.1% YoY+0.3% QoQ
|
$-97.8M |
$429.8M
-1.8% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.7% in tier |
| Deposits |
$482.4M
+2.6% YoY+1.5% QoQ
|
$-56.3M |
$538.7M
+0.6% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.4%
+33.9% YoY+9.5% QoQ
|
-0.2% |
0.7%
+42.9% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
2.6%
+16.4% YoY+1.4% QoQ
|
-0.9% |
3.4%
+8.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.1% in tier |
| Efficiency Ratio |
82.6%
-3.4% YoY-1.1% QoQ
|
+5.1% |
77.5%
-4.1% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.3%
+8.2% YoY+5.8% QoQ
|
-0.6 |
0.8%
-1.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.1% in tier |
| Loan To Share |
68.8%
-1.5% YoY-1.2% QoQ
|
-11.0% |
79.8%
-2.3% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$28,507
+3.3% YoY+1.8% QoQ
|
+$2K |
$26,849
+2.7% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
22.4%
+12.8% YoY+2.9% QoQ
|
-2.0% | 24.4% | 20.4% | 19.8% | 43% |
| Indirect Auto % |
12.6%
-7.6% YoY-2.4% QoQ
|
-1.2% | 13.8% | 7.3% | 7.8% | 58% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)