Pioneer
Mountain Home, ID · Charter 9247 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 16 branches
Q2 2026
$744.0MAssets
$516.9MLoans
$672.4MShares
$74.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 49% of credit unions under $1B in assets (rank 851 of 1681).
- Widest gap: net interest margin trails 81% of credit unions under $1B in assets (rank 1366 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.58%
Rank 1,035 of 1,683
Net Interest Margin
3.15%
Rank 1,366 of 1,683
Efficiency Ratio
80.91%
Rank 972 of 1,682
Equity / Assets
9.98%
Rank 1,349 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,035 / 1,683 | |
| Return on Equity | 5.83% | 2.67% | 5.89% | 8.74% | Beats 49% | 851 / 1,681 | |
| Net Interest Margin | 3.15% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,366 / 1,683 | |
| Efficiency Ratio | 80.91% | 68.91% | 78.20% | 86.93% | Beats 42% | 972 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,175 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.98% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,349 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.98% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,349 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 76.88% | 52.61% | 69.38% | 83.50% | 63rd pctl | 617 / 1,683 | |
| Loans / Assets | 69.48% | 44.71% | 59.18% | 70.72% | 72nd pctl | 465 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |