Peak Credit Union Lacey, Washington
Peak Credit Union is a state-chartered credit union headquartered in Lacey, WA, established in 1937 (NCUA charter 68271), and it is regulated and insured by the NCUA. At Q2 2026 it reported 267,643 members and total assets of $4.25B (down 1.1% from Q2 2025), the 6th largest of 73 credit unions headquartered in Washington. Its net worth ratio was 11.31% at Q2 2026, in the well capitalized band.
Also written as Peak CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68271
- Headquarters
- Lacey, WA
- Established
- 1937
- Total assets, Q2 2026
- $4.25B
- Assets vs Q2 2025
- -1.1%
- Members, Q2 2026
- 267,643
- Net worth ratio, Q2 2026
- 11.31%
- Latest call report
- Q2 2026, NCUA 5300 · Peak Credit Union call report
- Asset rank in state
- 6th of 73 in Washington
- Routing number
- 325181015
- Branches
- 36
It has 3,622 more members than on June 30, 2025 (+1.4%). Its net worth ratio was up 0.19 percentage points from 11.12% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $915.9M of $3.44B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.22% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.31% net worth ratio is above that band's 10.89% median.
Credit unions merged into Peak Credit Union
Frequently asked about Peak Credit Union
How big is Peak Credit Union?
At Q2 2026 it reported total assets of $4.25B and 267,643 members.
Where is Peak Credit Union headquartered?
It is headquartered in Lacey, WA, United States.
When was Peak Credit Union founded?
It was established in 1937, per NCUA records.
Is Peak Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68271): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Peak Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Peak Credit Union well capitalized?
Its net worth ratio was 11.31% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Peak Credit Union's delinquency ratio?
Its delinquency ratio was 1.22% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Peak Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 91.90% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lacey, WA 98503
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 68271
- RSSD ID
- 212193
- Members
- 267,643
- Potential members
- 11,942,537
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.31% | 10.89% | 56th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.54% | 0.89% | 22nd bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 4.78% | 8.07% | 22nd bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.39% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 67.43% | 70.59% | 61st above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.47% | 1.68% | 67th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.22% | 0.68% | 19th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.87% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 91.90% | 88.03% | 63rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.25B total assets against $4.30B; $3.74B total shares and deposits against $3.65B; $3.44B total loans against $3.41B.
$480.6M net worth against $478.1M.
11.31% net worth ratio against 11.12%.
91.90% loan-to-share ratio against 93.45%.
1.22% delinquency ratio against 0.65%.
0.54% return on assets against 0.76%; 4.78% return on equity against 6.80%.
4.39% net interest margin against 4.64%.
267,643 members against 264,021.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.31% | 0.54% | 1.22% | 91.90% |
| March 31, 2026 | 11.12% | 0.03% | 1.21% | 91.58% |
| December 31, 2025 | 10.97% | -0.68% | 0.85% | 94.10% |
| September 30, 2025 | 11.23% | 0.59% | 0.73% | 96.36% |
| June 30, 2025 | 11.12% | 0.76% | 0.65% | 93.45% |
| March 31, 2025 | 10.90% | 0.37% | 0.57% | 91.83% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.