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Pioneer Mutual

Sugar Land, TX · Charter 24818

NCUA · 3 branches

Q2 2026

$363.1MAssets
$216.7MLoans
$318.7MShares
$42.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.83%, down 21 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.32% of loans (-24 bps YoY).
  • Capital: net worth / assets of 11.77%, up 9 bps from a year ago.
  • Funding: loans stand at 67.99% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.83%-21 bps YoY

Net Interest Margin (quarter, annualized)

2.41%+18 bps YoY

Efficiency Ratio (quarter, annualized)

77.13%+831 bps YoY

Net Worth / Assets

11.77%+9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.10%1.05%0.97%0.83%-21 bps
Return on Equity8.92%9.40%8.53%8.10%7.05%-187 bps
Net Interest Margin2.23%2.31%2.45%2.40%2.41%+18 bps
Efficiency Ratio68.81%64.95%67.16%73.44%77.13%+831 bps
Growth
Asset Growth (YoY)18.31%7.66%8.37%8.34%7.42%-1,089 bps
Loan Growth (YoY)-3.45%0.00%0.10%-0.74%4.05%+750 bps
Share Growth (YoY)19.46%7.29%8.79%8.63%7.39%-1,207 bps
Asset Quality
Delinquent Loans / Loans0.56%0.71%0.42%0.51%0.32%-24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.68%11.70%12.28%11.98%11.77%+9 bps
Net Worth / Assets11.68%11.70%12.28%11.98%11.77%+9 bps
Liquidity & Funding
Loans / Shares70.17%68.91%71.21%68.09%67.99%-218 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps