BlastPoint's Credit Union Scorecard
PIKES PEAK
Charter #68266 · CO
PIKES PEAK has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Members Per Employee (MPE): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.3% in tier
- - Margin Compression: Bottom 30.8% in tier
- - Indirect Auto Concentration (%): Bottom 1.2% in tier
- - Fee Income Per Member: Bottom 3.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,774
-0.5% YoY+0.5% QoQ
|
-5.9K |
15,628
-3.4% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$127.5M
+3.5% YoY+0.4% QoQ
|
$-103.8M |
$231.3M
-0.0% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$81.1M
-0.3% YoY+2.6% QoQ
|
$-66.7M |
$147.8M
-1.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$112.8M
+2.9% YoY+0.2% QoQ
|
$-87.5M |
$200.3M
-0.0% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
0.9%
-12.9% YoY+4.3% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.5%
+6.6% YoY+3.5% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
61.5%
-0.5% YoY-2.9% QoQ
|
-15.8% |
77.3%
-3.0% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.2% in tier |
| Delinquency Rate |
0.8%
-29.7% YoY+24.6% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
59% |
| Loan To Share |
71.9%
-3.1% YoY+2.4% QoQ
|
-0.8% |
72.7%
-1.5% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$19,845
+2.0% YoY+0.7% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
37.6%
+10.9% YoY-3.7% QoQ
|
+13.1% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
70.5%
-1.8% YoY-0.4% QoQ
|
+56.5% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)