BlastPoint's Credit Union Scorecard
PIONEER MUTUAL
Charter #24818 · TX
PIONEER MUTUAL has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.27% above tier average
- + Fee Income Per Member: Top 1.0% in tier
- + Average Member Relationship (AMR): Top 5.0% in tier
- + Loan-to-Member Ratio (LMR): Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Net Interest Margin (NIM): Bottom 5.1% in tier
- - Members Per Employee (MPE): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,820
+3.7% YoY+0.6% QoQ
|
-3.6K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$335.6M
+8.4% YoY-3.2% QoQ
|
+$103.7M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$208.9M
+0.1% YoY-0.5% QoQ
|
+$61.6M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$293.4M
+8.8% YoY-3.7% QoQ
|
+$92.6M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
1.0%
-15.2% YoY-7.5% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
2.4%
+20.1% YoY+3.0% QoQ
|
-1.2% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.0% in tier |
| Efficiency Ratio |
67.2%
+0.5% YoY+3.4% QoQ
|
-9.9% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.4%
+25.8% YoY-40.5% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
71.2%
-8.0% YoY+3.3% QoQ
|
-1.0% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$42,500
+1.3% YoY-2.9% QoQ
|
+$18K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Top 5.1% in tier |
| CD Concentration |
12.0%
+24.4% YoY+6.0% QoQ
|
-12.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)