PIKES PEAK

Charter #68266 | CO

100M-500M (1077 CUs) Micro
26 100M-500M in CO

PIKES PEAK has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 18.0% in tier
  • + Wallet Share Momentum: Top 30.6% in tier
  • + Relationship Depth Leader: Top 33.6% in tier
  • + 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
 29th in tier
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
 Bottom 19.0% in tier
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
 Bottom 22.8% in tier
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
 Bottom 19.6% in tier
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
 60th in tier
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
 47th in tier
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
 59th in tier
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
 44th in tier
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
 34th in tier
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
 50th in tier
Indirect Auto % 70.5%
-1.8% YoY-0.4% QoQ
 +56.5% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#338 of 627 • Top 18.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.92%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.47%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#844 of 1006 • Top 30.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.01%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#927 of 1006 • Top 33.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.01%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#54 of 525 • Bottom 3.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.55%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 70.50%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.47%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Margin Compression

decline
#130 of 136 • Bottom 30.8% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.92%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.14% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $127.52M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

98
Members Per Employee (MPE)
engagement
Value: 465.429
Peer Avg: 332.881
#98 of 1077 Top 9.0% in 100M-500M tier
111
Efficiency Ratio
profitability
Value: 61.46%
Peer Avg: 77.28%
#111 of 1077 Top 10.2% in 100M-500M tier
128
First Mortgage Concentration (%)
balance_sheet
Value: 9.09%
Peer Avg: 30.43%
#128 of 1077 Top 11.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1065
Indirect Auto Concentration (%)
balance_sheet
Value: 70.50%
Peer Avg: 13.34%
#1065 of 1077 Bottom 1.2% in 100M-500M tier
1038
Fee Income Per Member
profitability
Value: $60.91
Peer Avg: $174.31
#1038 of 1077 Bottom 3.7% in 100M-500M tier
963
Share Certificate Concentration (%)
balance_sheet
Value: 37.55%
Peer Avg: 23.61%
#963 of 1077 Bottom 10.7% in 100M-500M tier
872
Total Assets
balance_sheet
Value: $127.52M
Peer Avg: $231.30M
#872 of 1077 Bottom 19.1% in 100M-500M tier
866
Total Deposits
balance_sheet
Value: $112.83M
Peer Avg: $200.29M
#866 of 1077 Bottom 19.7% in 100M-500M tier
831
Total Loans
balance_sheet
Value: $81.13M
Peer Avg: $147.80M
#831 of 1077 Bottom 22.9% in 100M-500M tier