BlastPoint's Credit Union Scorecard
PIKES PEAK
Charter #68266 · CO
PIKES PEAK has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Efficiency Ratio: Top 8.1% in tier
- + Members Per Employee (MPE): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 13.5% in tier
- - Indirect Auto Concentration (%): Bottom 1.1% in tier
- - Fee Income Per Member: Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,800
+0.3% YoY+0.3% QoQ
|
-5.6K |
15,437
-2.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$130.8M
+4.9% YoY+2.6% QoQ
|
$-101.1M |
$231.9M
+1.3% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$84.2M
+4.4% YoY+3.7% QoQ
|
$-63.2M |
$147.3M
-0.1% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$115.7M
+4.3% YoY+2.5% QoQ
|
$-85.1M |
$200.8M
+0.8% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.0%
-4.6% YoY+8.6% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.6%
+6.7% YoY+0.7% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
60.9%
-0.4% YoY-0.9% QoQ
|
-16.1% |
77.0%
-3.1% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.1% in tier |
| Delinquency Rate |
0.8%
-27.9% YoY-1.0% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
72.7%
+0.1% YoY+1.2% QoQ
|
+0.5% |
72.2%
-1.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$20,393
+4.0% YoY+2.8% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
36.8%
+0.5% YoY-1.9% QoQ
|
+12.4% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
70.0%
-2.2% YoY-0.7% QoQ
|
+56.2% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)