PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peake

Towson, MD · Charter 15394

NCUA · 3 branches

Q2 2026

$534.2MAssets
$332.9MLoans
$491.0MShares
$46.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.64%, up 35 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.18% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.64%, up 28 bps from a year ago.
  • Funding: loans stand at 67.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+29 bps YoY

Efficiency Ratio (YTD, annualized)

77.74%-706 bps YoY

Net Worth / Assets

8.64%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.37%0.41%0.56%0.64%+35 bps
Return on Equity3.45%4.42%4.79%6.66%7.43%+397 bps
Net Interest Margin2.48%2.54%2.55%2.69%2.77%+29 bps
Efficiency Ratio84.80%83.52%82.60%78.53%77.74%-706 bps
Growth
Asset Growth (YoY)2.11%3.16%3.82%2.92%3.30%+118 bps
Loan Growth (YoY)2.53%1.47%1.11%1.56%0.95%-158 bps
Share Growth (YoY)2.64%2.27%2.63%1.88%2.39%-25 bps
Asset Quality
Delinquent Loans / Loans0.18%0.24%0.26%0.19%0.18%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.36%8.49%8.50%8.46%8.64%+28 bps
Net Worth / Assets8.36%8.49%8.50%8.46%8.64%+28 bps
Liquidity & Funding
Loans / Shares68.76%69.63%68.82%67.54%67.80%-97 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps