Peak Credit Union
Total assets
$4.27B
▼ -0.9% YoY
Shares & deposits
$3.78B
▲ +2.5% YoY
Loans
$3.46B
▲ +2.3% YoY
Members
267,669
▲ +2.2% YoY
ROA (annualized)
0.03%
peers 0.71%
ROE (annualized)
0.27%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Peak Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +5.1% | -6.0 pts |
| Share growth (YoY) | +2.5% | +4.9% | -2.3 pts |
| Loan growth (YoY) | +2.3% | +5.4% | -3.2 pts |
| ROA | 0.03% | 0.71% | -0.7 pts |
| ROE | 0.3% | 6.3% | -6.0 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
Profile
- Established
- 1938
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 718, Olympia, WA, 98507
- NCUA charter #
- 68271
- RSSD ID
- 212193
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.27B | $3.78B | $3.46B | $474.8M | $319K | 0.03% | 4.37% | 1.21% | 267,669 |
| Q4 2025 | $4.33B | $3.68B | $3.46B | $474.5M | $11.1M | 0.26% | 4.43% | 0.85% | 266,655 |
| Q3 2025 | $4.31B | $3.57B | $3.44B | $484.5M | $18.5M | 0.57% | 4.47% | 0.73% | 265,315 |
| Q2 2025 | $4.30B | $3.65B | $3.41B | $478.1M | $12.1M | 0.56% | 4.50% | 0.65% | 264,021 |
| Q1 2025 | $4.31B | $3.68B | $3.38B | $469.9M | $4.0M | 0.37% | 4.34% | 0.57% | 262,006 |
| Q4 2024 | $4.27B | $3.62B | $3.38B | $465.9M | $26.1M | 0.61% | 4.37% | 0.57% | 261,393 |
| Q3 2024 | $4.26B | $3.61B | $3.34B | $466.4M | $24.2M | 0.76% | 4.42% | 0.52% | 261,185 |
| Q2 2024 | $4.27B | $3.53B | $3.29B | $456.9M | $14.7M | 0.69% | 4.16% | 0.50% | 258,829 |
Loan mix (Q1 2026): real estate $934.5M · commercial $473.4M · consumer $1.28B · securities $289.6M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Peak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.71% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 6.3% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.32% | 96th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 73.0% | 58th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Peak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Peak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Peak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Peak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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