BlastPoint's Credit Union Scorecard
PIONEER COMMUNITY
Charter #24682 · NE
PIONEER COMMUNITY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.18% above tier average
- + Net Interest Margin 1.81% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
712
-1.5% YoY-1.4% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$4.9M
-6.0% YoY-0.1% QoQ
|
$-25.2M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$3.8M
+7.3% YoY+0.5% QoQ
|
$-12.0M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$4.2M
-8.8% YoY-0.4% QoQ
|
$-21.5M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
1.8%
+27.1% YoY-4.0% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
Top 9.9% in tier |
| NIM |
5.8%
+3.0% YoY+0.6% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
73.8%
-3.1% YoY+2.0% QoQ
|
-8.7% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.9%
+2727.4% YoY
|
-0.6 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
91.1%
+17.6% YoY+0.9% QoQ
|
+30.5% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
Top 9.2% in tier |
| AMR |
$11,167
-0.2% YoY+1.4% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
27.5%
+18.1% YoY+0.2% QoQ
|
+3.1% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)