BlastPoint's Credit Union Scorecard
PEAK
Charter #68271 · WA
PEAK has 2 strengths but faces 7 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 95.5% in tier
- + Net Interest Margin 1.30% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23.8% in tier
- - Credit Risk Growth: Bottom 60.7% in tier
- - Flatlined Growth: Bottom 72.7% in tier
- - Liquidity Strain: Bottom 82.4% in tier
- - Indirect Auto Dependency: Bottom 89.7% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 6.32% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
266,655
+2.0% YoY+0.5% QoQ
|
+36.3K |
230,353
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$4.3B
+1.3% YoY+0.3% QoQ
|
+$385.6M |
$3.9B
+0.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$3.5B
+2.4% YoY+0.7% QoQ
|
+$524.9M |
$2.9B
-0.2% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$3.7B
+1.5% YoY+3.1% QoQ
|
+$366.4M |
$3.3B
-0.3% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.3%
-57.9% YoY-55.0% QoQ
|
-0.5% |
0.7%
+16.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.5% in tier |
| NIM |
4.4%
+1.4% YoY-1.0% QoQ
|
+1.3% |
3.1%
+9.8% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Top 3.9% in tier |
| Efficiency Ratio |
77.7%
+5.4% YoY+2.7% QoQ
|
+6.3% |
71.4%
-1.4% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.9%
+48.8% YoY+17.2% QoQ
|
-0.0 |
0.9%
+5.8% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
94.1%
+0.9% YoY-2.4% QoQ
|
+5.2% |
88.9%
-0.2% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$26,766
-0.1% YoY+1.4% QoQ
|
$-3K |
$29,682
+1.5% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
29.0%
+6.3% YoY+16.6% QoQ
|
-0.0% | 29.0% | 22.5% | 19.8% | 52% |
| Indirect Auto % |
22.8%
-6.8% YoY+0.8% QoQ
|
+4.5% | 18.3% | 16.8% | 7.8% | 66% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)