Pikes Peak Credit Union

Pikes Peak Credit Union is headquartered in COLORADO SPRING and is the 35^th largest credit union in the state of Colorado. It is also the 1,882^nd largest credit union in the nation. It was established in 1973 and as of December of 2011, it had grown to 19 employees and 8,754 members. Pikes Peak Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics PIKES PEAK NCUA # 68266 BankRate Report View Year Chartered 1973 Employees 19 Primary Regulator Assets and Liabilities Assets $66.42 million Loans $45.78 million Deposits $60.49 million Equity Capital $5.75 million Loan Loss Allowance $329,000 Unbacked Noncurrent Loans $619,000 Real Estate Owned $166,000 Historic Data - December 2010 Assets $61.78 million Equity Capital $5.03 million Loan Loss Allowance $292,000 Unbacked Noncurrent Loans $622,000 Real Estate Owned $327,000 Profit Margin - Quarterly Net Interest Margin 6.08% Return on Assets 1.09% Return on Equity 12.57% Interest Income $2.86 million Non-Interest Income $654,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Pikes Peak Credit Union had $785,000 in non-current loans and owned real-estate with $6.08 million in equity and loan loss allowances on hand to cover it. This gives Pikes Peak Credit Union a Texas Ratio of 12.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pikes Peak Credit Union decreased slightly from 17.85% as of December 31, 2010 to 12.91% as of December 31, 2011, resulting in a positive change of 27.64%.This indicates that the balance sheet and financial strength for Pikes Peak Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Pikes Peak Credit Union has increased its total deposits by $3.94 million, resulting in 6.96% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pikes Peak Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pikes Peak Credit Union has $66.42 million in assets with $6.08 million in equity, resulting in a capitalization level of 9.15%, which is average.

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