BlastPoint's Credit Union Scorecard
PEAK
Charter #68271 · WA
PEAK has 1 strength but faces 8 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
- + Net Interest Margin 1.15% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.6% in tier
- - Liquidity Strain: Bottom 38.9% in tier
- - Credit Risk Growth: Bottom 79.3% in tier
- - Flatlined Growth: Bottom 91.7% in tier
- - Indirect Auto Dependency: Bottom 91.7% in tier
- - ROA 0.65% below tier average
- - Efficiency ratio 1.85% above tier (higher cost structure)
- - Delinquency rate 0.39% above tier average
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 5 that size in Washington.
- Shares and deposits +2.5% year over year ($3.74B in shares and deposits).
- Membership: 267,643 members, +1.4% vs a year ago.
- Delinquency rate 1.22%.
- Return on assets 0.28%.
- Efficiency ratio 71.30% vs a 69.45% peer average.
- Loan-to-share ratio 91.90% vs a 90.24% 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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
267,643
+1.4% YoY-0.0% QoQ
|
+51.1K |
216,545
-9.5% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$4.2B
-1.1% YoY-0.5% QoQ
|
+$345.2M |
$3.9B
-1.6% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$3.4B
+0.8% YoY-0.5% QoQ
|
+$508.4M |
$2.9B
-1.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$3.7B
+2.5% YoY-0.9% QoQ
|
+$485.7M |
$3.3B
-2.6% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
0.3%
-49.5% YoY
|
-0.6% |
0.9%
+25.3% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.1% in tier |
| NIM |
4.4%
-2.4% YoY+0.3% QoQ
|
+1.1% |
3.2%
+3.8% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Top 3.9% in tier |
| Efficiency Ratio |
71.3%
-6.0% YoY-5.4% QoQ
|
+1.8% |
69.5%
-2.3% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
1.2%
+87.2% YoY+0.9% QoQ
|
+0.4 |
0.8%
+5.5% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
91.9%
-1.7% YoY+0.3% QoQ
|
+1.7% |
90.2%
+0.9% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$26,836
+0.3% YoY-0.7% QoQ
|
$-4K |
$31,018
+6.9% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
34% |
| CD Concentration |
25.6%
-4.9% YoY-4.3% QoQ
|
-3.5% | 29.1% | 22.7% | 20.0% | 35% |
| Indirect Auto % |
22.7%
-1.4% YoY-2.2% QoQ
|
+4.6% | 18.1% | 16.0% | 7.7% | 66% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)