BlastPoint's Credit Union Scorecard
PEAK
Charter #68271 · WA
PEAK has 2 strengths but faces 9 concerns
How does the industry compare?
What's your peer group doing?
How does WA stack up?
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
- - Credit Risk Growth: 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
- - Deposit Outflow: Bottom 65.2% 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
|
70% |
| 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
|
63% |
| 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
|
75% |
| 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
|
67% |
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| 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
|
32% |
| 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
|
71% |
| 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
|
60% |
| 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
|
62% |
| 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
|
40% |
| CD Concentration |
24.9%
-9.5% YoY-7.6% QoQ
|
-4.1% |
29.0%
+0.7% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
33% |
| Indirect Auto % |
22.7%
-7.8% YoY-1.4% QoQ
|
+3.9% |
18.8%
-3.0% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
63% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)