TellerScore

Peak Credit Union (NCUA charter #68271) is based in Olympia, Washington. Its Q2 2026 call report shows $4.2B in total assets and $3.7B in member shares and deposits and 35 offices across 2 states.

Based on its Q2 2026 filing, Peak Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 454 credit unions with $1 billion – $10 billion. Among 73 credit unions headquartered in Washington, it ranks 62nd. Its strongest component is problem-loan coverage (81/100; 9.4%), and its lowest is earnings (31/100; 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.31%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.22%
Earnings31/100
Return on assets (annualized): 0.29%
Funding & liquidity68/100
Loans ÷ shares: 91.9% · 10.0% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.40%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (65 → 58), mostly because the loan quality component weakened by 19 points.

TellerScore
566268Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202466
Q1 202564
Q2 202565
Q3 202565
Q4 202561
Q1 202656
Q2 202658
Net worth ratio
7.00%9.16%11.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.68%
Q3 202410.94%
Q4 202410.91%
Q1 202510.90%
Q2 202511.12%
Q3 202511.23%
Q4 202510.97%
Q1 202611.12%
Q2 202611.31%
Delinquent loans (60+ days)
0.50%0.86%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.52%
Q4 20240.57%
Q1 20250.57%
Q2 20250.65%
Q3 20250.73%
Q4 20250.85%
Q1 20261.21%
Q2 20261.22%
Return on assets
0.03%0.39%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.76%
Q4 20240.61%
Q1 20250.37%
Q2 20250.56%
Q3 20250.57%
Q4 20250.26%
Q1 20260.03%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$4.2B11.31%1.22%0.29%91.9%
Q1 202656$4.3B11.12%1.21%0.03%91.6%
Q4 202561$4.3B10.97%0.85%0.26%94.1%
Q3 202565$4.3B11.23%0.73%0.57%96.4%
Q2 202565$4.3B11.12%0.65%0.56%93.4%
Q1 202564$4.3B10.90%0.57%0.37%91.8%
Q4 202466$4.3B10.91%0.57%0.61%93.3%
Q3 202468$4.3B10.94%0.52%0.76%92.6%
Q2 202467$4.3B10.68%0.50%0.69%93.3%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.31%
59th
Problem loans1.22%
19th
Net charge-offs1.41%
4th
Return on assets0.29%
10th
Loans to deposits91.9%
38th
Uninsured deposits10.0%
41st
Loan-loss reserves0.00%
50th
Texas ratio9.4%
17th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Numerica Credit UnionCredit union Spokane Valley, WA74 out of 100, Strong$4.3B12.0%0.35%vs
Washington State Employees Credit UnionCredit union Olympia, WA59 out of 100, Moderate$5.1B9.9%0.80%vs
Sound Credit UnionCredit union Tacoma, WA63 out of 100, Moderate$3.4B11.0%1.18%vs
Whatcom Educational Credit UnionCredit union Bellingham, WA65 out of 100, Moderate$3.4B11.2%0.69%vs
Harborstone Credit UnionCredit union Tacoma, WA52 out of 100, Below average$3.1B9.3%1.08%vs
Hapo Community Credit UnionCredit union Richland, WA80 out of 100, Strong$3.0B11.2%0.18%vs

Deposit insurance

Is my money safe at Peak Credit Union?

Yes. Peak Credit Union is a federally insured credit union (NCUA charter #68271). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.0% of shares and deposits ($374.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.31%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

35 locations

Branches

Peak Credit Union lists 35 offices in 23 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Peak Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68271
RSSD ID
212193
Primary regulator
State + NCUA
Established
1938
Headquarters
PO Box 718, Olympia, WA 98507
Employees
688

Quick answers

Peak Credit Union: common questions

Is Peak Credit Union NCUA insured?

Yes. Peak Credit Union is a federally insured credit union (NCUA charter #68271). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Peak Credit Union's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Peak Credit Union have?

35 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Olympia

InstitutionScoreAssetsCapitalProblem loansCompare
Wcla Credit UnionCredit union Olympia, WA86 out of 100, Very strong$141.9M17.5%0.29%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Our Community Credit UnionCredit union Shelton, WA82 out of 100, Strong$638.3M12.7%0.48%vs
Sound Banking CompanyBank Lakewood, WA82 out of 100, Strong$45.2M12.1%0.00%vs
Qualstar Credit UnionCredit union Bothell, WA80 out of 100, Strong$939.3M16.0%1.41%vs
Timberland BankBank Hoquiam, WA78 out of 100, Strong$2.1B12.9%0.56%vs