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
Call Report peers
PEAKE in the assets neighbourhood
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
PEAKE sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Maryland, Andrews Federal Credit Union (#23) ties at 85/100; one place down, Thiokol Elkton (#25) scores 84/100, 1 point lower.
PEAKE: 2025Q4 → 2026Q1
PEAKE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $523.1M (2025Q4) to $534.2M (2026Q1).
- Net-worth ratio shifted -0.04 pp (8.50% → 8.46%).
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
PEAKE gives up 15 points in total. Member Growth costs the most, 8.3 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is PEAKE financially healthy?
PEAKE has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,028 of 4,374 nationally on health and #24 of 62 in Maryland. Its net worth ratio is 8.46% and its delinquency rate 0.26%.
How does PEAKE compare to other credit unions?
PEAKE scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.26% vs 0.87%). Its widest shortfall is loan-to-share ratio (68.82% vs 83.90%).
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?
PEAKE is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.