State credit union · OLYMPIA, Washington · NCUA charter #68271
Peak
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $4.33B
- Total assets
- 266,655
- Members
- 6.4%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)61
- Asset quality (delinquency)86
- Earnings (ROA)100
- Member growth76
- Liquidity (loan-to-share)88
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.43% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.43% | 30% |
| Delinquency Rate | 0.85% | 25% |
| Return on Assets | 0.60% | 15% |
| Member Growth | 2.01% | 15% |
| Loan-to-Share Ratio | 94.10% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Peak
Charter #68271, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Peak, a state credit union in OLYMPIA, Washington with 266,655 members, $4.33B in total assets, and $3.46B in outstanding loans as of Q4 2025. The five-factor composite scores it 79/100 (Very Good), helped by a net worth ratio of 6.43% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.85% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 94.10% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.60% on net income of $26.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.01%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Peak financially healthy?
A 6.43% net worth ratio and a 0.85% delinquency rate feed into Peak's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. 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 79/100 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 6.43% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.