PEAK

Charter #68271 | WA

3B-5B (76 CUs) Mid-Market (380 CUs)
5 3B-5B in WA

PEAK has 2 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 30.5% in tier
  • + Net Interest Margin 1.28% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 8.2% in tier
  • - Flatlined Growth: Bottom 8.6% in tier
  • - Deposit Outflow: Bottom 12.3% in tier
  • - Growth-at-Risk: Bottom 16.5% in tier
  • - Liquidity Strain: Bottom 21.0% in tier
  • - Shrinking Wallet Share: Bottom 26.1% in tier
  • - Indirect Auto Dependency: Bottom 28.6% in tier
  • - ROA 0.17% below tier average
  • - Efficiency ratio 4.40% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 265,315
+1.6% YoY+0.5% QoQ
 +26.8K 238,465
+0.6% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 70th in tier
Assets $4.3B
+1.3% YoY+0.4% QoQ
 +$342.1M $4.0B
-0.1% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 63rd in tier
Loans $3.4B
+2.9% YoY+0.7% QoQ
 +$417.1M $3.0B
+3.3% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 Top 25.0% in tier
Deposits $3.6B
-1.1% YoY-2.3% QoQ
 +$232.6M $3.3B
+1.1% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 0.6%
-24.3% YoY+1.6% QoQ
 -0.2% 0.7%
+5.3% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 32nd in tier
NIM 4.5%
+1.6% YoY-0.2% QoQ
 +1.3% 3.2%
+13.7% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 Top 2.6% in tier
Efficiency Ratio 75.7%
+5.1% YoY-0.2% QoQ
 +4.4% 71.3%
-0.6% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 71st in tier
Delinquency Rate 0.7%
+39.4% YoY+11.5% QoQ
 -0.1 0.8%
+15.9% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 60th in tier
Loan To Share 96.4%
+4.0% YoY+3.1% QoQ
 +5.5% 90.8%
+2.0% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 62nd in tier
AMR $26,390
-0.8% YoY-1.3% QoQ
 $-3K $29,088
+0.1% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 40th in tier
CD Concentration 24.9%
-9.5% YoY-7.6% QoQ
 -4.1% 29.0%
+0.8% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 32nd in tier
Indirect Auto % 22.7%
-7.8% YoY-1.4% QoQ
 +3.9% 18.8%
-2.8% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 63rd in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#222 of 246 • Top 30.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.58%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.57%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 22.67%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (7)

Credit Quality Pressure

risk
#64 of 217 • Bottom 8.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.21% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Flatlined Growth

risk
#4 of 18 • Bottom 8.6% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $4.31B
(Tier: $3.97B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.26%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.57%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs)

Deposit Outflow

decline
#16 of 25 • Bottom 12.3% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.10%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $4.31B
(Tier: $3.97B, National: $547.69M)
but better than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Growth-at-Risk

risk
#93 of 161 • Bottom 16.5% in tier

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

Why This Signature
Loan Growth (YoY): 2.88%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.21% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Strain

risk
#111 of 183 • Bottom 21.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 96.36%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.88%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#80 of 83 • Bottom 26.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.75%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#177 of 202 • Bottom 28.6% in tier

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

Why This Signature
Asset Growth (YoY): 1.26%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 22.67%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.58%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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 76 peers in tier

Top Strengths (4 metrics)

2
Net Interest Margin (NIM)
profitability
Value: 4.48%
Peer Avg: 3.20%
#2 of 76 Top 1.3% in 3B-5B tier
15
First Mortgage Concentration (%)
balance_sheet
Value: 19.56%
Peer Avg: 34.35%
#15 of 76 Top 18.4% in 3B-5B tier
19
Total Loans
balance_sheet
Value: $3.44B
Peer Avg: $3.02B
#19 of 76 Top 23.7% in 3B-5B tier
20
Share Certificate Concentration (%)
balance_sheet
Value: 24.88%
Peer Avg: 30.70%
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (4 metrics)

68
Deposit Growth Rate
growth
Value: -1.10%
Peer Avg: 8.84%
#68 of 76 Bottom 11.8% in 3B-5B tier
62
Net Charge-Off Rate
risk
Value: 1.00%
Peer Avg: 0.64%
#62 of 76 Bottom 19.7% in 3B-5B tier
62
Members Per Employee (MPE)
engagement
Value: 313.611
Peer Avg: 433.941
#62 of 76 Bottom 19.7% in 3B-5B tier
59
Asset Growth Rate
growth
Value: 1.26%
Peer Avg: 7.42%
#59 of 76 Bottom 23.7% in 3B-5B tier