PEAKE

Charter #15394 | MD

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in MD

PEAKE has 3 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 26.7% in tier
  • + Relationship Depth Leader: Top 29.5% 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
  • - Growth-at-Risk: 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
 Bottom 15.4% in tier
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
 Bottom 19.5% in tier
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
 33rd in tier
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
 74th in tier
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
 Bottom 17.8% in tier
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
 68th in tier
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
 41st in tier
Indirect Auto % 12.9%
-5.7% YoY-1.7% QoQ
 -1.0% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 58th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#737 of 1006 • Top 26.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.88%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#815 of 1006 • Top 29.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.88%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.3K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk
#269 of 521 • Bottom 15.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.52%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.23% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.92%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Stagnation Risk

risk
#454 of 550 • Bottom 27.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.37%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.92%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $28.0K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 21.80%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#483 of 550 • Bottom 29.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.92%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk
#730 of 736 • Bottom 29.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#443 of 446 • Bottom 29.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.47%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (3 metrics)

16
Members Per Employee (MPE)
engagement
Value: 442.985
Peer Avg: 338.010
#16 of 169 Top 8.9% in 500M-750M tier
19
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Avg: 0.80%
#19 of 169 Top 10.7% in 500M-750M tier
32
Net Charge-Off Rate
risk
Value: 0.17%
Peer Avg: 0.51%
#32 of 169 Top 18.3% in 500M-750M tier

Top Weaknesses (8 metrics)

159
Net Interest Margin (NIM)
profitability
Value: 2.54%
Peer Avg: 3.43%
#159 of 169 Bottom 6.5% in 500M-750M tier
156
Fee Income Per Member
profitability
Value: $115.55
Peer Avg: $199.27
#156 of 169 Bottom 8.3% in 500M-750M tier
156
Total Assets
balance_sheet
Value: $515.72M
Peer Avg: $622.38M
#156 of 169 Bottom 8.3% in 500M-750M tier
150
Net Worth Ratio
risk
Value: 8.49%
Peer Avg: 10.94%
#150 of 169 Bottom 11.8% in 500M-750M tier
148
Total Loans
balance_sheet
Value: $330.88M
Peer Avg: $435.95M
#148 of 169 Bottom 13.0% in 500M-750M tier
143
Total Members
engagement
Value: 28,794
Peer Avg: 39,752
#143 of 169 Bottom 16.0% in 500M-750M tier
139
Loan-to-Share Ratio
balance_sheet
Value: 69.63%
Peer Avg: 81.02%
#139 of 169 Bottom 18.3% in 500M-750M tier
136
Total Deposits
balance_sheet
Value: $475.20M
Peer Avg: $538.02M
#136 of 169 Bottom 20.1% in 500M-750M tier