# BLUPEAK
San Diego, CA · NCUA charter 60801 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/blupeak-60801

Who the members are: state charter, organized 1936. 52,548 members of 5,173,110 potential (1.0% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.13B |
| Members | 52,548 (-4.2% YoY) |
| Full-time staff | 109 |
| Net worth | $105.4M |
| Net worth ratio | 9.3% (p19 of band) |
| ROA (annualized) | 0.15% (p8 of band) |
| Total delinquency | 0.30% (p15 of band) |
| Net charge-offs (annualized) | 0.22% (p17 of band) |
| Loans / shares | 72% (p18 of band) |
| Cash / assets | 8.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.11% (p37 of band) |
| Operating expense / assets | 3.44% (p63 of band) |
| Vehicles % of loans | 5% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 40% (p22 of band) |
| Vehicle delinquency | 0.46% (p35 of band) |
| Vehicle NCO | 1.61% (p77 of band) |
| Repossessed % of vehicle book | 0.29% (p90 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 163% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 21% |
| Average share balance | $15,936 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $150.1M |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $50,378 |
| Loans granted, annualized | $62.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $150.1M outstanding purchased (142.4% of net worth), $11.2M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -6.5% year over year.

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | 3rd-party paper>100% NW |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 | net worth falling | delinquency rising |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | 3rd-party paper>100% NW |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | members leaving |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 | thin capital | members leaving |
| 2021-03 | 5 | losing money, loan book shrinking |  |
| 2021-06 | 2 |  | net worth falling, losing money, loan book shrinking |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 2 |  | assets shrinking |
| 2023-03 | 3 | delinquency rising, leaning on borrowings | members leaving |
| 2023-06 | 4 | net worth falling |  |
| 2023-09 | 2 |  | leaning on borrowings, net worth falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | net worth falling, losing money, margin squeeze | delinquency rising |
| 2024-06 | 5 | assets shrinking |  |
| 2024-09 | 4 |  | net worth falling |
| 2024-12 | 6 | delinquency 2x band, delinquency rising, members leaving | margin squeeze |
| 2025-03 | 5 |  | losing money |
| 2025-06 | 5 | charge-offs p90 | delinquency 2x band |
| 2025-09 | 3 |  | thin capital, charge-offs p90 |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2022-11-01 [USE Credit Union Unveils New Name, BluPeak Credit Union, to Reflect their Broad and Diverse Membership and Commitment to Being a Top Employer - PR Newswire](https://news.google.com/rss/articles/CBMioAJBVV95cUxOcGdyN1RYYVMxMUtPNkJvUHNpVHU2RWxndjQxcGx1QTFhOGhRNkZSNGpJYjhlQnI2R3BlN2tDeXg5VjlSZlhJNmF1S2pYdE9iUVNyTEtGYklVNEVjS1FDQ0dzb1gtUkI3Q3hRYnkzRzlLY0RFMVpiTGZPMzBqTUFyclM3Wk92Z3ppSy1zd2NnRVlfazJHWkFWY2F4bVphQ2dHdE5JSWo3S05ZN2ZGSTdaNUJUR1FtWTJyeVJ0Ry1LMzhoX1pXS0lDeG44emZsZW1aV0s4MWxqWUpMQ25sb3VRSjRBa2hhVVl5VXJYNEFrdy01dEk5ZjBkd2lyVm9VUmVjQzZWZ3JYYWk5Sjc2bnFmM1JneVhrNG9aNFpicmIzdS0?oc=5) · PR Newswire
- 2025-04-10 [BluPeak Credit Union - Newsweek Rankings](https://news.google.com/rss/articles/CBMiakFVX3lxTE0waUZyckVINTFLYTFBWFZZRW50bFpZd3pnMXk2LVhoVkJCNHJPZmJmVVZnc2l4NHJXa0tldk5tdWtNSnF4QjVuUURpbnVibVZ0NFE5LU1ydE0xdnBTWUlLNjFFeTZDR0QzMGc?oc=5) · Newsweek Rankings
- 2025-09-29 [East County Schools Federal Credit Union appoints Matt Lyons as new President & CEO - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxQOFpYT1RKNnlvMlNKYnNBNjNLcUNJcUdOVzVpYjNybm9SQy1GOHdOUl9UQlZ3Rk5WSFprUW5Kb3k0YW9RNnZoUFMyQUs0Tm1Ya3RWbFpaZTFwbUItaXBaZUl1bkc3ODZfMnc3bU0weGtEZk0xTDNKS0s5b1RtWFQyalQ4U25rRlEzNU5vS05TZFUyTmxMXzlMTzBLSXR2UVlVM2hDZXNQY3NacWFNUS1nbnlZcXBkdHlWaHVzclpPcw?oc=5) · CUInsight
- 2023-09-06 [High-Yield Savings Accounts Hit New Record Rate, Sept. 6, 2023 - Investopedia](https://news.google.com/rss/articles/CBMijAFBVV95cUxORlB0RzM4X0ltNWg2QTIwdmNsM1FaMkFpRDl6em8xRkFNRkdyYTRaSFBKaVBndTJXa2JWdHZSQnp4Vm5TYVl6MVZ0ZzBRTlRuWkY1WURldkZhQnBTbG5YQk5pcHFBZ3dpRjRxeUltU0Ezc0U3WWxrc3BGSURqdHZfUlRYM2xpTFVKRHBvRw?oc=5) · Investopedia
- 2025-03-18 [Marquis Who's Who Honors Crystal Haase for Expertise in the Financial Industry - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxPbVRxM2o1UWZ2VmoxdFlkNHR3SUI1ZEZuT3ZEdWpDTHVST0g5TUVuWjA2UURHMWdVQk54R2RLdS1LMy1QT2UzaTBudDJjckJPSmNkbUhEN3lYa0dTRDNvenRONXhWWWQ0TWRBVTlGOFBMZGpYQVN6emlLdG1BUmtWc1ZJRGk3VG9tcEZNOFBhenBEdE1sbkdNeUhiVS1BSGwtVXRmbnA0SThwVVhDRGlScE0wUkNDSjdmcFJBb2hPR1VrOGh4ZEFUY05xaw?oc=5) · 24-7 Press Release Newswire
- 2023-09-11 [7 of the best savings rates right now - CBS News](https://news.google.com/rss/articles/CBMib0FVX3lxTE5qMU5rOEZTOVpVNVhiWEtWOW1jWGlSMm9pcTRhQ1RFZnQ5NkVxRFlnc05DcDZkS3IwSUlndmtLaVJUeElVLTlrZFdaLXk5QTZkbFpCQm9LM1g4U2R4YjBkamo2YUFzVldmWXhOenNldw?oc=5) · CBS News
- 2022-11-03 [USE Credit Union Introduces New Name, Branding - cutoday.info](https://news.google.com/rss/articles/CBMihgFBVV95cUxOSTlDMnZDMGluaGNHLU1Uc2dZVVhXbVBpRS1Jdlo1N21jME1SNHNQVVNIZXctVGtMTE5OWWxCal9yOWlTeUp3SlNvZ1RLYjIzazEydWp2MGt4OXhxS1hDcFlPSkMwLURKUy0xMklLd25fcWJwTzVqbDNnUTZ6ZDUzUkZtWHozdw?oc=5) · cutoday.info
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbG82S28tWDRWcmVTSGtHM1A2ZDRvTjlrTUJGLUxudnBZSlZwNG5uSk12eFQ1M09ULTYtTFVaU3FJeFlEam53MHZqSDV5ZDRTUk9zRUJEVHBBbzVpRUxnV2s0VXFkc0lzZUxXS1A0YWZHaVMyNXE3Wm5RdG1qX2dBclE0cE5TaDZibmpuVkpiM3diUQ?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60801 (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/1.json (key "60801", 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=60801
- 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.

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