BlastPoint's Credit Union Scorecard

PEAK

Charter #68271 · WA

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 6 in WA

View Mid-Market leaderboard →

PEAK has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.17% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.9% in tier
- Liquidity Strain: Bottom 33.2% in tier
- Credit Risk Growth: Bottom 70.0% in tier
- Indirect Auto Dependency: Bottom 90.0% in tier
- ROA 0.70% below tier average
- Efficiency ratio 4.10% above tier (higher cost structure)
- Delinquency rate 0.47% above tier average
- Net Charge-Off Rate: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	267,669 +2.2% YoY+0.4% QoQ	+47.2K	220,435 -7.6% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	78%
Assets	$4.3B -0.9% YoY-1.3% QoQ	+$354.2M	$3.9B -1.5% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	64%
Loans	$3.5B +2.3% YoY-0.1% QoQ	+$565.1M	$2.9B -1.1% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	85%
Deposits	$3.8B +2.5% YoY+2.7% QoQ	+$478.1M	$3.3B -2.5% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	81%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.0% -92.0% YoY-88.4% QoQ	-0.7%	0.7% +10.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	Bottom 3.8% in tier
NIM	4.4% +0.2% YoY-1.5% QoQ	+1.2%	3.2% +4.6% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	Top 3.8% in tier
Efficiency Ratio	75.4% -4.5% YoY-3.0% QoQ	+4.1%	71.3% -2.6% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	1.2% +113.1% YoY+42.1% QoQ	+0.5	0.7% +9.2% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	Bottom 14.1% in tier
Loan To Share	91.6% -0.3% YoY-2.7% QoQ	+3.6%	88.0% +0.9% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	56%
AMR	$27,027 +0.2% YoY+1.0% QoQ	$-4K	$30,672 +5.5% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	38%
CD Concentration	26.8% +0.5% YoY-7.8% QoQ	-2.1%	28.8%	22.5%	19.8%	42%
Indirect Auto %	23.2% -2.4% YoY+1.5% QoQ	+5.1%	18.1%	16.1%	7.7%	66%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#15 of 225 • Bottom 3.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.64% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Credit Risk Growth

risk

#81 of 183 • Bottom 70.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.25%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.64% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#182 of 198 • Bottom 90.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.92%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 23.18%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.16%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#141 of 148 • Bottom 33.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.58%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.25%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 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)

Compare against:

Comparing against 78 peers in tier

Top Strengths (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.37%

Peer Median: 3.23%

#3 of 78 Top 2.6% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.46B

Peer Median: $2.92B

#12 of 78 Top 14.1% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.50%

Peer Median: 32.80%

#13 of 78 Top 15.4% in 3B-5B tier

Total Deposits

balance_sheet

Value: $3.78B

Peer Median: $3.34B

#15 of 78 Top 17.9% in 3B-5B tier

Total Members

engagement

Value: 267,669

Peer Median: 212,824

#17 of 78 Top 20.5% in 3B-5B tier

Top Weaknesses (4 metrics)

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Median: 0.75%

#75 of 78 Bottom 5.1% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 1.47%

Peer Median: 0.46%

#72 of 78 Bottom 9.0% in 3B-5B tier

Asset Growth Rate

growth

Value: -0.92%

Peer Median: 5.44%

#69 of 78 Bottom 12.8% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.21%

Peer Median: 0.54%

#68 of 78 Bottom 14.1% in 3B-5B tier