# PIKES PEAK
Colorado Spring, CO · NCUA charter 68266 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pikes-peak-68266

Who the members are: state charter, organized 1932. 9,896 members of 15,000 potential (66.0% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $133.3M |
| Members | 9,896 (1.3% YoY) |
| Full-time staff | 20 |
| Net worth | $15.2M |
| Net worth ratio | 11.4% (p46 of band) |
| ROA (annualized) | 1.06% (p72 of band) |
| Total delinquency | 0.63% (p51 of band) |
| Net charge-offs (annualized) | 0.57% (p72 of band) |
| Loans / shares | 74% (p59 of band) |
| Cash / assets | 33.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.65% (p48 of band) |
| Operating expense / assets | 2.64% (p17 of band) |
| Vehicles % of loans | 78% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 91% |
| Third-party paper % of net worth | 406% (p98 of band) |
| Vehicle delinquency | 0.76% (p60 of band) |
| Vehicle NCO | 0.86% (p68 of band) |
| Repossessed % of vehicle book | 0.23% (p87 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 37% |
| Average share balance | $7,613 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $22,579 |
| Loans granted, annualized | $45.7M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 3 |  | margin squeeze |
| 2021-03 | 4 | delinquency 2x band |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 2 |  | delinquency 2x band |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | thin capital, members leaving |  |
| 2022-06 | 2 |  | thin capital, members leaving |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 4 | delinquency rising, assets shrinking |  |
| 2023-06 | 2 |  | delinquency rising, assets shrinking |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 | repo signal | assets shrinking |
| 2024-03 | 3 | net worth falling | repo signal |
| 2024-06 | 3 | members leaving | net worth falling |
| 2024-09 | 4 | repo signal |  |
| 2024-12 | 3 |  | repo signal |
| 2025-03 | 2 |  | members leaving |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-25 [Fire temporarily closes Hungry Bear restaurant - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMihAFBVV95cUxPaFJBZ250bTNhWGpSUmEzUVNleTU0RXNaOXJrcWtta05kTnNiSzVjbWpNNkZmc0FpemVYbzhBamd2Q1ZRLVowUEhfWEt2ZW5XdmtmYlU0TTUwVFZVT1JTTG1JOVBELW9oMmptWXF0RHBRdnVEV2tVeVBXbVhEbnhWYW1FT0c?oc=5) · Colorado Springs Gazette
- 2026-06-26 [The new front porch: Summer concerts bring Ute Pass communities together - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMipgFBVV95cUxOT1RWZXh4NVA1bGIwTFhUYW1hN0xvQm1iUlRVTEFZZkpFTmlac2VEc1B2Z01jcHVybzBLVWxqdjBxRWFvT1p5a1p3Sm9UQk9KcEo5cjVCVWpha2MwTkViT0ZQYWhFdzhoUnhscjA0em1FbXU2MDdNcDF1UUVydHhSQmkxOXpwaEs2ZjRjMEMzMWJWaTZMWGNlLXkyNHZianNPVGpmOUFn?oc=5) · Colorado Springs Gazette
- 2026-07-22 [s ZZ Top Announce Mid-Course Revisions To "The Big One!" Tour - That Eric Alper](https://news.google.com/rss/articles/CBMiogFBVV95cUxQRGNCSTduRkFObDFDNU11UGxncWR3WWF2RGtpLVhQcXU0VnlkQzNudUV0ODU5dVR1ZTVma21sZHRiY1J4WU8wRWhoTW0yLTVWOTEtbUZ6TVc0ZmRCTUE2aGc4S1E4MmRycHJnX0IzaF9vUFJEckR1WWVpSWFlRkpKM09sNzYyMG1ET3dYX2dteWhhTnpBWmZJTkpNRjM3RTlWN0E?oc=5) · That Eric Alper
- 2023-01-11 [DFI appoints new director of credit unions - Point/Plover Metro Wire](https://news.google.com/rss/articles/CBMidkFVX3lxTE1BVVJsakxSZUZvb1F2azQ2M1FUQWRwcTZUS2tNZVE1bU9veFNYTjFBSHpkdmRyQmF0YWxnbC1rWHZFWHZ0eG5hRTFnUUtsd2d2MzVYZlotWXI3a3VwWnNwVmJ5ZTA5SlI3aGdnalZPLXpGbGZSMVE?oc=5) · Point/Plover Metro Wire
- 2026-02-18 [New logo reflects new era for Ent Credit Union members - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxPV0VFU3llZ1lqRE5FbDhuS1FaZVhBdUFZYXF4ZUk1Z1pVcm03YmlYbXJ0TDQ4bVFpWEF3VEdNendXU28xazB1MnFDVnNCWWZsVWl0VFRBOWpVaWxLV1dhR0JZNlFOQkd5Z2FmY0FUWVcybloyUzZLQmVPRWRLQkdkaGY2M0o5T25TWnZxaFFkX0padw?oc=5) · Colorado Springs Gazette
- 2021-10-23 [Pikes Peak United Way opening new center in what is now Pikes Peak Elementary School - FOX21 News Colorado](https://news.google.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?oc=5) · FOX21 News Colorado
- 2021-10-23 [Pikes Peak United Way and Harrison D-2 opening Focused Family Success Center in 2022 - KKTV](https://news.google.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?oc=5) · KKTV
- 2026-04-21 [ZZ Top's The Big One! Tour Adds Seven More Weeks of US Dates This August and September - That Eric Alper](https://news.google.com/rss/articles/CBMixAFBVV95cUxPRFRTVUQtZjRzNjR0TzdQS1BUazREVTRSZGZHbWl2Wl9RSFFad2lJYnRhRHJ1anVtdk5seDVFNGxybjBqZi1tcl9LR1ZHZzZJWUJ2Z3RRNkZUdTNFT1NVbF9qb09hNklJYmRpNWJ1R0lCN3h0MFFsMGllcF8tQ0pvZzI3WmZfandJek1lcTZOdjE3MHR0MWNrLUpKeXV4NlJCQkxHSC1sa2hmY21yVEhBbndrdWtNZ1pVZXQzeEpWcFhpTFYy?oc=5) · That Eric Alper

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68266 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/42.json (key "68266", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68266
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide