PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pioneer Appalachia

Charleston, WV · Charter 3576

NCUA · 5 branches

Q2 2026

$245.2MAssets
$142.8MLoans
$216.8MShares
$27.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, up 1 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.07% of loans (-8 bps YoY).
  • Capital: net worth / assets of 11.26%, up 17 bps from a year ago.
  • Funding: loans stand at 65.89% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.52%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.05%-1 bps YoY

Efficiency Ratio (quarter, annualized)

83.06%-192 bps YoY

Net Worth / Assets

11.26%+17 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.42%-0.16%0.32%0.50%0.67%0.68%0.40%0.52%+1 bps
Return on Equity-3.68%-1.34%2.82%4.53%5.84%6.00%3.57%4.59%+5 bps
Net Interest Margin3.10%3.09%3.13%3.06%3.15%3.10%2.96%3.05%-1 bps
Efficiency Ratio107.85%101.61%89.03%84.98%81.91%81.48%85.38%83.06%-192 bps
Growth
Asset Growth (YoY)-3.89%-3.55%-1.55%4.10%7.11%8.68%8.65%4.77%+67 bps
Loan Growth (YoY)-7.90%-7.71%-4.56%-4.17%-1.63%3.67%3.90%10.27%+1,444 bps
Share Growth (YoY)-2.23%-2.58%-1.63%4.37%6.79%8.57%8.50%4.31%-6 bps
Asset Quality
Delinquent Loans / Loans0.16%0.16%0.09%0.15%0.11%0.16%0.06%0.07%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.50%11.54%11.30%11.08%11.39%11.29%11.09%11.26%+17 bps
Net Worth / Assets11.50%11.54%11.30%11.08%11.39%11.29%11.09%11.26%+17 bps
Liquidity & Funding
Loans / Shares69.58%67.18%65.04%62.33%64.09%64.15%62.29%65.89%+356 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps