Pioneer Appalachia
Charleston, WV · Charter 3576 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$245.2MAssets
$142.8MLoans
$216.8MShares
$27.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 88% of credit unions under $1B in assets (rank 206 of 1682).
- Widest gap: net interest margin trails 84% of credit unions under $1B in assets (rank 1420 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.52%
Rank 1,114 of 1,683
Net Interest Margin
3.05%
Rank 1,420 of 1,683
Efficiency Ratio
83.06%
Rank 1,093 of 1,682
Equity / Assets
11.26%
Rank 1,107 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.35% | 0.74% | 1.18% | Beats 34% | 1,114 / 1,683 | | |
| Return on Equity | 4.59% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,002 / 1,681 | | |
| Net Interest Margin | 3.05% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,420 / 1,683 | | |
| Efficiency Ratio | 83.06% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,093 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.26% | 0.65% | 1.29% | Beats 88% | 206 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.26% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,107 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.26% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,107 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.89% | 52.61% | 69.38% | 83.50% | 43rd pctl | 953 / 1,683 | | |
| Loans / Assets | 58.25% | 44.71% | 59.18% | 70.72% | 48th pctl | 872 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |