BlastPoint's Credit Union Scorecard

PIONEER MUTUAL

Charter #24818 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

PIONEER MUTUAL has 7 strengths but faces 4 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

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
+ ROA 0.24% above tier average
+ Fee Income Per Member: Top 1.7% in tier
+ Average Member Relationship (AMR): Top 4.6% in tier
+ Net Charge-Off Rate: Top 4.7% 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 3.5% in tier
- Members Per Employee (MPE): Bottom 7.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	11,951 +3.7% YoY+1.1% QoQ	-3.2K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	44%
Assets	$351.1M +8.3% YoY+4.6% QoQ	+$119.4M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	82%
Loans	$209.7M -0.7% YoY+0.4% QoQ	+$65.6M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	79%
Deposits	$308.0M +8.6% YoY+5.0% QoQ	+$106.9M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -16.2% YoY-5.9% QoQ	+0.2%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	68%
NIM	2.4% +4.2% YoY-0.4% QoQ	-1.2%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Bottom 3.4% in tier
Efficiency Ratio	73.4% +6.3% YoY+9.3% QoQ	-4.6%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	32%
Delinquency Rate	0.5% +5.1% YoY+20.1% QoQ	-0.3	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	42%
Loan To Share	68.1% -8.6% YoY-4.4% QoQ	-2.3%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	42%
AMR	$43,321 +0.9% YoY+1.9% QoQ	+$18K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Top 4.7% in tier
CD Concentration	10.8% +14.0% YoY-10.3% QoQ	-13.5%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#72 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.71%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.97%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#125 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.71%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Margin Compression

decline

#89 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.97%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.16%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk

#650 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $385.93

Peer Median: $154.95

#19 of 1070 Top 1.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $43,321

Peer Median: $22,931

#50 of 1070 Top 4.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.00%

Peer Median: 0.35%

#51 of 1070 Top 4.7% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,549

Peer Median: $9,356

#62 of 1070 Top 5.7% in 100M-500M tier

125

Share Certificate Concentration (%)

balance_sheet

Value: 10.79%

Peer Median: 23.10%

#125 of 1070 Top 11.6% in 100M-500M tier

150

Deposit Growth Rate

growth

Value: 8.63%

Peer Median: 3.30%

#150 of 1070 Top 13.9% in 100M-500M tier

166

Asset Growth Rate

growth

Value: 8.34%

Peer Median: 3.91%

#166 of 1070 Top 15.4% in 100M-500M tier

174

Member Growth Rate

growth

Value: 3.71%

Peer Median: -0.06%

#174 of 1070 Top 16.2% in 100M-500M tier

188

Total Deposits

balance_sheet

Value: $308.01M

Peer Median: $171.29M

#188 of 1070 Top 17.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1034

Net Interest Margin (NIM)

profitability

Value: 2.40%

Peer Median: 3.62%

#1034 of 1070 Bottom 3.5% in 100M-500M tier

992

Members Per Employee (MPE)

engagement

Value: 213.411

Peer Median: 309.176

#992 of 1070 Bottom 7.4% in 100M-500M tier

810

First Mortgage Concentration (%)

balance_sheet

Value: 42.00%

Peer Median: 29.47%

#810 of 1070 Bottom 24.4% in 100M-500M tier