# PEAKE
Towson, MD · NCUA charter 15394 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/peake-15394

Who the members are: federal charter, multiple common bond, organized 1963. 28,552 members of 87,945 potential (32.5% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 79.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $534.2M |
| Members | 28,552 (-0.9% YoY) |
| Full-time staff | 61 |
| Net worth | $45.2M |
| Net worth ratio | 8.5% (p12 of band) |
| ROA (annualized) | 0.56% (p45 of band) |
| Total delinquency | 0.19% (p11 of band) |
| Net charge-offs (annualized) | 0.25% (p27 of band) |
| Loans / shares | 68% (p19 of band) |
| Cash / assets | 9.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.69% (p10 of band) |
| Operating expense / assets | 2.63% (p12 of band) |
| Vehicles % of loans | 31% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 40% |
| Third-party paper % of net worth | 90% (p48 of band) |
| Vehicle delinquency | 0.09% (p4 of band) |
| Vehicle NCO | 0.29% (p18 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 22% |
| Average share balance | $9,255 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 79% |
| Loans granted per 100 members, annualized | 34% |
| Average loan balance | $14,780 |
| Loans granted, annualized | $84.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | thin capital |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | 3rd-party paper>100% NW |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 1 |  | 3rd-party paper>100% NW |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-27 [Peake Federal Credit Union appoints Stacie Sloan as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPcFMtUlY3dlFnajNUSWRtMWJmaXhhbTRuWkptaWZVRHZMbkxkWlJMY0x0NWFKSEp1am8yb3RxaTJXLVF0ZU16em4tck9Yci1KSEY4SGctOTFWZDJmdFlUWlhDaTV4bFZnY0V1cDUyZUwyVXRzTDFJZlFGSkhLcG1vVDlKdzViZ0MyTkhOS2R0T2JvQTVJTlp1VnBJRzdNaXlESC1TZUdDNDRHQQ?oc=5) · CUInsight
- 2026-05-06 [6 Credit Unions in 6 States Appoint New Leaders - CUTimes](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOVUxzbWJVY1J2dFNRRzBsYlk5RE5wM3d1bjlvWnA4N2VGV0FoamhmTXhleXZ6MjN6dk90bHhKV3hWSXE1RkdZVk1ESV9TVnZNVTVpZ2tDeVpULVZKRnVjUXhFRmcyb2xja0NuTFFhblVHdUd3SVEzaFFZa3dGZWo4S1NxLVd6aGNHc1BN?oc=5) · CUTimes
- 2026-01-30 [Peake Federal Credit Union wins Gold MarCom Award for strategic communications and branding excellence - CUInsight](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQNFN1UXNWWTZOVXBweFFXU0dMY09zX2thYjIwRWpsUm5USlI1Rk85ZlV5d0hGb0JuRGE5WUhkaGliR1JRNElIeTVSbWlUdnItc0p4TGtlR29fczc2VFp1SzhtcHJpWlJBVGZldTJsUVpYWGtFWlBJUEZ3RVF3NWQyWTNkZ2p0SzRoS0tOeWhFX19qLVlQMVRDbHczdGRfNU13ak1iU2NWVEtJSGQ4eXl4SnZRRTJ6cFBFNVFscW80M2ZoQ0djR3dsd0hKN0FTRU5oT0NwMmZUQkJVM2s?oc=5) · CUInsight
- 2024-11-07 [8 things to know: Credit union to change name after 60 years - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQd2tCMGdrT0VMRjlMYUpTMzE4X0Y1ZHRJUm9ZWG83NlhtaEY5U2l4TlBua2piWThXeUR6YU4wOVlTV3hXbnliUEEtNlhNSUxwR2J5TFByQUhmd3FPY2EwYUQyVEhjd0Q4OUlub3Rsb3ZKRzh6NW1Ra19qUXh0MVROc2hReXV4SVg1ZUNJNGgyTUk0RXBLSi1ubnZ5TG5pUGlRNVFGaUZPQTVnUQ?oc=5) · The Business Journals
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2025-12-03 [Marquis data breach impacts over 74 US banks, credit unions - BleepingComputer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN25wV2ZwYk9ESjhEMGdsY1N4dXdSV2FBTUo2R21EX0JoODBvWlhTcVJ3TmtDdW5veDVucFZwS0V2M0Z5VGJsLVQ3MDJWQUpISFgtb1p6aWI0ZnE2MVdjTU8xXzZuclIwQ3ZGRVBCYl9jWXJjeURoNW9UM2hHay1uOElZSENqalFVWndUYV9xUjRnQ284QkpDSnJZNENHOHRfMnhDSnlSbXRzQdIBrwFBVV95cUxPNWZVaVhpYWZHQmVuT1ZWMUt1eTN6VjE1YnE5VC1wWWo0UE4xUG1BSmduNnBZckhtZE5ZTUFkQjdXa3dQS21JMHlIc015cEhsdkVfRzRsSU9YN3owcWFOcWNQQWJTcmxLcjJlYnRUYkd5UFBVclVVODdhVGQ0RTZVZjJDZlpiUWNQWjllcDBVcFQ0WW9qQ1dNNVY2TDNDeS11cU0xN2lNNHdnSG5mckE0?oc=5) · BleepingComputer
- 2025-01-10 [Baltimore County Employees Federal Credit Union selects Mark Caverly as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMixAFBVV95cUxOTEtENHFDb0pJcVlZc1FGdzFqVWRzb3B0bWg0NkFUcGtSSFpzY2xWSlBVRjNGWEZXMHRsYW5KdTY1WTlpd2VSOHZYbHdQS3pLd2JCZVVoVnpOYnFxLXZlMVdYZTJveTBjNUNmZlVydXljOUtIQjkzM2F1RHNDNDNDUFg2S2M5YWd5MUpzODhUZG9Jc1pMWk9leUlydXJCV05FdHA2S1VpTUlXWHl2ckZabURWMmRLOFk4a0FwaEtJUnVTR0FC?oc=5) · CUInsight
- 2025-05-29 [Baltimore County Public Library’s 2025 Summer Reading Challenge to kick off in Perry Hall - nottinghammd.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNdXUxSVB6bHJaNFBDQnVIcG82Z085YWRDMkpxT0w2bVVrWjBra1hQY1ZTajRpdjlXcExFNzhsRkZqWjgtVlN6aUdjYjZjYy1KdlQyWDlobEhtUFdvekJhTXowX3l3UEVyY2R3NjFIblVkbEFGcjdhc1NTV3phRDVyTzZyUWFFeV9oY1Q0WjBMcnd1X0psR29JYkJQUEQ4aE4xdDVvbTFsQjV3cTFOR1FTY1lNZnZtdUVScmU5TW42b25LLUE?oc=5) · nottinghammd.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15394 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/34.json (key "15394", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15394
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide