BlastPoint's Credit Union Scorecard
PEAKE
Charter #15394 · MD
PEAKE has 2 strengths but faces 5 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
- + Total Delinquency Rate (60+ days): Top 7.9% in tier
- + Members Per Employee (MPE): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 64.4% in tier
- - Stagnation Risk: Bottom 64.4% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 1.18% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 9.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Maryland.
- Shares and deposits +2.4% year over year ($491M in shares and deposits).
- Membership: 28,648 members, -1.0% vs a year ago.
- Delinquency rate 0.18%.
- Return on assets 0.64%.
- Efficiency ratio 77.74% vs a 76.56% peer average.
- Loan-to-share ratio 67.80% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,648
-1.0% YoY+0.3% QoQ
|
-9.2K |
37,897
-5.0% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$534.2M
+3.3% YoY+0.0% QoQ
|
$-88.1M |
$622.4M
+0.6% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$332.9M
+0.9% YoY+0.1% QoQ
|
$-95.6M |
$428.5M
-0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
15% |
| Deposits |
$491.0M
+2.4% YoY-0.2% QoQ
|
$-48.8M |
$539.8M
+0.9% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
0.6%
+122.7% YoY+13.8% QoQ
|
-0.2% |
0.8%
+39.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
2.8%
+11.8% YoY+2.9% QoQ
|
-0.8% |
3.5%
+5.0% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.1% in tier |
| Efficiency Ratio |
77.7%
-8.3% YoY-1.0% QoQ
|
+1.2% |
76.6%
-3.6% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.2%
-1.3% YoY-4.4% QoQ
|
-0.6 |
0.8%
+3.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Top 7.9% in tier |
| Loan To Share |
67.8%
-1.4% YoY+0.4% QoQ
|
-11.5% |
79.3%
-1.4% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$28,759
+2.8% YoY-0.4% QoQ
|
+$1K |
$27,294
+4.1% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
22.3%
+5.6% YoY+1.4% QoQ
|
-2.3% | 24.6% | 21.7% | 20.0% | 42% |
| Indirect Auto % |
12.5%
-5.0% YoY+2.0% QoQ
|
-1.1% | 13.6% | 7.3% | 7.7% | 58% |
Signature Analysis
Strengths (0)
Concerns (2)
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.
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)