Federal credit union · Towson, Maryland · NCUA charter #15394
PEAKE
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $523.1M
- Total assets
- 28,570
- Members
- 8.5%
- Net-worth ratio
PEAKE scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $523.1M; members 28,570; net-worth ratio 8.46%; health rank #2,028 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,028 of 4,374 health · 2025Q4PEAKE · health 85/100 · $523.1M · 2025Q4
- BOOK 85/100
- CHARTER 8.5%
- NCUSIF 0.26%
- CAMELS 0.29%
- HEALTH $523.1M
- NW 28,570
- DELQ #2,028/4,374
- ROA Pearl Hawaii
- ASSETS 15394
Call Report peers
PEAKE in the assets neighbourhood
PEAKE's $523.1M assets sit next to Pearl Hawaii ($523.4M) 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.
PEAKE 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
85 Top 46% higher than 54% 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
PEAKE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15394, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for PEAKE
- Delinquency Rate leads the peer set - 0.26% here, 0.87% peer average (-0.62 pp).
- Largest lag: Loan-to-Share Ratio at 68.82% vs peer 83.90% (-15.08 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
PEAKE: in-state Call Report ranks
- Health composite ranks #24 of 62 among scored Maryland credit unions.
- Maryland assets place: #18 of 62.
- Membership ranks #20 of 62 among Maryland CUs with a reported count (28,570 members).
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PEAKE: 2025Q4 → 2026Q1
PEAKE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $523.1M (2025Q4) to $534.2M (2026Q1).
- Net-worth ratio shifted -0.04 pp (8.50% → 8.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.9 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.46% | -2.72 pp |
| Delinquency Rate | 0.26% | -0.62 pp |
| Return on Assets | 0.29% | -0.21 pp |
| Member Growth | -1.27% | - |
| Loan-to-Share Ratio | 68.82% | -15.08 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).
PEAKE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $534.2M | - |
| 2025Q4 | $523.1M | 28,570 |
| 2024Q4 | $503.9M | 28,937 |
| 2023Q4 | $498.2M | 29,048 |
Credit Union Details
- Charter Number
- 15394
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Maryland
- City
- Towson
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, PEAKE runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| BCEFCU-Towson (Main Office) | Towson, MD |
| BCEFCU- Perry Hall | Baltimore, MD |
| BCEFCU-GBMC | Baltimore, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
Cross-state Call Report peers for PEAKE
Cross-state asset and health neighbours for PEAKE - kept outside Maryland; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($523.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- PEAKE ranks #2,028 of 4,374 nationally on financial health and #24 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Freedom of Maryland is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Freedom of Maryland
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland 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 PEAKE financially healthy?
A 8.46% net worth ratio and a 0.26% delinquency rate feed into PEAKE's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,028 of 4,374; by total assets it ranks #732 of 4,374 nationally (same basis as /rankings/largest); and #18 of 62 within Maryland. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does PEAKE compare to other credit unions?
85/100 is PEAKE's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 PEAKE?
PEAKE serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact PEAKE directly for the current list of qualifying groups.
Is my money safe at PEAKE?
Federal credit unions like PEAKE 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. PEAKE's net worth ratio of 8.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PEAKE offer compared to banks?
Credit unions like PEAKE 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 PEAKE 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.