BlastPoint's Credit Union Scorecard
PIKES PEAK
Charter #68266 · CO
PIKES PEAK has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.26% above tier average
- + Loan Growth Rate: Top 6.6% in tier
- + First Mortgage Concentration (%): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.7% in tier
- - Fee Income Per Member: Bottom 6.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
- Shares and deposits +3.0% year over year ($116M in shares and deposits).
- Membership: 9,992 members, +2.8% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 1.12%.
- Efficiency ratio 62.17% vs a 76.73% peer average.
- Loan-to-share ratio 78.64% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,992
+2.8% YoY+1.0% QoQ
|
-5.2K |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$132.0M
+3.9% YoY-1.0% QoQ
|
$-100.0M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$91.2M
+15.4% YoY+4.9% QoQ
|
$-55.1M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$116.0M
+3.0% YoY-1.6% QoQ
|
$-84.7M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
1.1%
+27.4% YoY+5.6% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
3.7%
+8.5% YoY+1.8% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
62.2%
-1.8% YoY-2.1% QoQ
|
-14.6% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
Top 10.7% in tier |
| Delinquency Rate |
0.5%
-19.1% YoY-18.1% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
78.6%
+12.0% YoY+6.6% QoQ
|
+7.1% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$20,734
+5.2% YoY+0.2% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
35.7%
-8.4% YoY-4.0% QoQ
|
+11.1% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
72.6%
+2.5% YoY+2.1% QoQ
|
+58.9% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)