BlastPoint's Credit Union Scorecard

PEAKE

Charter #15394 · MD

Community 500M-750M

167 CUs in 500M-750M nationally 7 in MD

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PEAKE has 1 strength but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Members Per Employee (MPE): Top 8.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 43.6% in tier
- Credit Risk Growth: Bottom 59.5% in tier
- Membership Headwinds: Bottom 61.5% in tier
- Stagnation Risk: Bottom 61.5% in tier
- ROA 0.12% below tier average
- Efficiency ratio 0.15% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	28,552 -0.9% YoY-0.1% QoQ	-9.5K	38,079 -4.8% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	17%
Assets	$534.2M +2.9% YoY+2.1% QoQ	$-85.5M	$619.7M -0.2% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	19%
Loans	$332.4M +1.6% YoY+0.1% QoQ	$-86.9M	$419.3M -1.4% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	17%
Deposits	$492.2M +1.9% YoY+2.0% QoQ	$-47.3M	$539.5M -0.1% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	26%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +135.9% YoY+37.5% QoQ	-0.1%	0.7% +36.0% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	44%
NIM	2.7% +10.7% YoY+4.8% QoQ	-0.8%	3.5% +4.5% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	Bottom 8.4% in tier
Efficiency Ratio	78.5% -8.0% YoY-4.9% QoQ	+0.1%	78.4% -3.7% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	49%
Delinquency Rate	0.2% +37.4% YoY-26.5% QoQ	-0.5	0.7% -0.9% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	Top 10.8% in tier
Loan To Share	67.5% -0.3% YoY-1.9% QoQ	-10.1%	77.7% -1.2% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	19%
AMR	$28,881 +2.7% YoY+1.3% QoQ	+$2K	$26,927 +3.1% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	70%
CD Concentration	22.0% +8.1% YoY-2.0% QoQ	-2.3%	24.3%	21.1%	19.8%	42%
Indirect Auto %	12.2% -9.0% YoY-2.9% QoQ	-1.6%	13.8%	7.3%	7.7%	57%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#581 of 727 • Bottom 43.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Membership Headwinds

decline

#515 of 570 • Bottom 61.5% 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: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#532 of 570 • Bottom 61.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.92%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.56%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.19%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#451 of 476 • Bottom 59.5% in tier

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

Why This Signature

Loan Growth (YoY): 1.56%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (2 metrics)

Members Per Employee (MPE)

engagement

Value: 446.125

Peer Median: 318.730

#15 of 167 Top 8.4% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.19%

Peer Median: 0.62%

#19 of 167 Top 10.8% in 500M-750M tier

Top Weaknesses (7 metrics)

153

Net Interest Margin (NIM)

profitability

Value: 2.69%

Peer Median: 3.48%

#153 of 167 Bottom 9.0% in 500M-750M tier

148

Net Worth Ratio

risk

Value: 8.46%

Peer Median: 10.35%

#148 of 167 Bottom 12.0% in 500M-750M tier

140

Fee Income Per Member

profitability

Value: $121.95

Peer Median: $178.80

#140 of 167 Bottom 16.8% in 500M-750M tier

139

Total Loans

balance_sheet

Value: $332.42M

Peer Median: $427.27M

#139 of 167 Bottom 17.4% in 500M-750M tier

139

Total Members

engagement

Value: 28,552

Peer Median: 36,874

#139 of 167 Bottom 17.4% in 500M-750M tier

136

Total Assets

balance_sheet

Value: $534.15M

Peer Median: $619.16M

#136 of 167 Bottom 19.2% in 500M-750M tier

135

Loan-to-Share Ratio

balance_sheet

Value: 67.54%

Peer Median: 79.97%

#135 of 167 Bottom 19.8% in 500M-750M tier