State credit union · OLYMPIA, Washington · NCUA charter #68271
PEAK
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $4.33B
- Total assets
- 266,655
- Members
- 11.1%
- Net-worth ratio
PEAK scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.33B; members 266,655; net-worth ratio 11.12%; health rank #957 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#957 of 4,374 health · 2025Q4PEAK · health 91/100 · $4.33B · 2025Q4
- MEM 91/100
- RANK 11.1%
- PHOTO 0.85%
- BOOK 0.60%
- CHARTER $4.33B
- NCUSIF 266,655
- CAMELS #957/4,374
- HEALTH ONEAZ
- NW 68271
Call Report peers
PEAK in the assets neighbourhood
PEAK's $4.33B assets sit next to ONEAZ ($4.30B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PEAK vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
PEAK - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68271. See our deposit-insurance coverage note.
PEAK: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +10.20 pp (94.10% vs 83.90%).
- Largest lag: Net Worth Ratio at 11.12% vs peer 11.18% (-0.06 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where PEAK sits in Washington
- In Washington, health place is #20 of 75 on the same NCUA-ratio sort used nationally.
- Assets rank #5 of 75 inside Washington ($4.33B reported).
- Member book place in Washington: #5 of 75.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PEAK: 2025Q4 → 2026Q1
PEAK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.3% from $4.33B (2025Q4) to $4.27B (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.97% → 11.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.12% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.5 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 13.1 pts
PEAK health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.12% | -0.06 pp |
| Delinquency Rate | 0.85% | -0.02 pp |
| Return on Assets | 0.60% | +0.09 pp |
| Member Growth | 2.01% | - |
| Loan-to-Share Ratio | 94.10% | +10.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - PEAK
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.27B | - |
| 2025Q4 | $4.33B | 266,655 |
| 2024Q4 | $4.27B | 261,393 |
| 2023Q4 | $4.20B | 256,254 |
Credit Union Details
- Charter Number
- 68271
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- OLYMPIA
- Data Quarter
- 2025Q4
Branch Locations (36)
Per its most recent NCUA branch filing, PEAK runs 36 offices in 24 different cities across 2 states.
| Office | City |
|---|---|
| CORNERSTONE (Main Office) | LACEY, WA |
| ABERDEEN | ABERDEEN, WA |
| BOBCAT | ABERDEEN, WA |
| ALBANY | ALBANY, OR |
| PREMIER SERVICE CENTER-CEDAR HILLS | BEAVERTON, OR |
| BEND | BEND, OR |
| CENTRALIA | CENTRALIA, WA |
| CENTRALIA SAFEWAY | CENTRALIA, WA |
| CHEHALIS FINANCIAL SERVICES CENTER | CHEHALIS, WA |
| COTTAGE GROVE | COTTAGE GROVE, OR |
| EUGENE | EUGENE, OR |
| Downtown Eugene | Eugene, OR |
| GRANTS PASS | GRANTS PASS, OR |
| HOQUIAM | HOQUIAM, WA |
| LACEY CROSSROADS | LACEY, WA |
| LACEY CREDIT UNION CENTER | LACEY, WA |
| HAWKS PRAIRIE SAFEWAY | LACEY, WA |
| MEDFORD | MEDFORD, OR |
| NORTH BEND | NORTH BEND, OR |
| OCEAN SHORES | OCEAN SHORES, WA |
| OLYMPIA | OLYMPIA, WA |
| WEST OLYMPIA SAFEWAY | OLYMPIA, WA |
| ONALASKA | ONALASKA, WA |
| PORTLAND NE HALSEY STREET | PORTLAND, OR |
| ROSEBURG GREEN BRANCH | ROSEBURG, OR |
| ROSEBURG KLINE | ROSEBURG, OR |
| SPRINGFIELD GATEWAY | SPRINGFIELD, OR |
| SPRINGFIELD MAIN | SPRINGFIELD, OR |
| LAKEWOOD | TACOMA, WA |
| SPANAWAY | TACOMA, WA |
| TUMWATER | TUMWATER, WA |
| HAZEL DELL | VANCOUVER, WA |
| MILL PLAIN | VANCOUVER, WA |
| VANCOUVER MALL | VANCOUVER, WA |
| YELM | YELM, WA |
| YELM IN-STORE | YELM, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
A look at other Washington credit unions, ranked by how closely their peer group and asset size match this one.
PEAK nationwide neighbourhoods
Two NCUA Call Report peer sets for PEAK, both outside Washington so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.33B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- PEAK ranks #957 of 4,374 nationally on financial health and #20 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NUMERICA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NUMERICA
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is PEAK financially healthy?
A 11.12% net worth ratio and a 0.85% delinquency rate feed into PEAK's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #957 of 4,374; by total assets it ranks #113 of 4,374 nationally (same basis as /rankings/largest); and #5 of 75 within Washington. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does PEAK compare to other credit unions?
Five weighted metrics from NCUA filings produce PEAK's 91/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join PEAK?
Membership eligibility for PEAK depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PEAK directly for current membership requirements and application steps.
Is my money safe at PEAK?
Federal credit unions like PEAK are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. PEAK's net worth ratio of 11.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PEAK offer compared to banks?
Credit unions like PEAK are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact PEAK directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.