PIONEER APPALACHIA

Charter #3576 | WV

100M-500M (1077 CUs) Micro
8 100M-500M in WV

PIONEER APPALACHIA has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 7.8% in tier
  • + Wallet Share Momentum: Top 9.9% in tier
  • + Emerging Performer: Top 28.2% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 6.0% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 11.4% in tier
  • - Membership Headwinds: Bottom 11.9% in tier
  • - Institutional Decline: Bottom 19.6% in tier
  • - Efficiency Drag: Bottom 28.6% in tier
  • - ROA 0.12% below tier average
  • - Efficiency ratio 4.63% above tier (higher cost structure)
  • - Member decline: -3.5% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Members 15,354
-3.5% YoY-0.7% QoQ
 -274 15,628
-3.4% YoY
 5,095
+0.6% YoY
 33,089
+6.1% YoY
 58th in tier
Assets $232.8M
+7.1% YoY-0.5% QoQ
 +$1.5M $231.3M
-0.0% YoY
 $68.6M
+3.5% YoY
 $547.7M
+7.8% YoY
 59th in tier
Loans $131.9M
-1.6% YoY+1.8% QoQ
 $-15.9M $147.8M
-1.4% YoY
 $38.2M
+0.9% YoY
 $388.7M
+8.6% YoY
 54th in tier
Deposits $205.8M
+6.8% YoY-1.0% QoQ
 +$5.5M $200.3M
-0.0% YoY
 $58.7M
+3.0% YoY
 $464.6M
+9.3% YoY
 60th in tier
ROA 0.7%
-259.5% YoY+29.8% QoQ
 -0.1% 0.8%
+15.5% YoY
 1.0%
+49.4% YoY
 0.7%
+273.4% YoY
 43rd in tier
NIM 3.1%
+3.0% YoY+0.8% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.9%
+3.9% YoY
 3.7%
+5.0% YoY
 25th in tier
Efficiency Ratio 81.9%
-24.1% YoY-3.6% QoQ
 +4.6% 77.3%
-3.0% YoY
 72.7%
-3.2% YoY
 79.1%
-3.3% YoY
 67th in tier
Delinquency Rate 0.1%
-26.9% YoY-25.2% QoQ
 -0.7 0.9%
+7.6% YoY
 1.3%
-29.4% YoY
 1.2%
-0.9% YoY
 Bottom 6.0% in tier
Loan To Share 64.1%
-7.9% YoY+2.8% QoQ
 -8.6% 72.7%
-1.5% YoY
 60.8%
-6.8% YoY
 68.0%
-1.7% YoY
 29th in tier
AMR $21,997
+7.1% YoY+0.8% QoQ
 $-2K $24,363
+2.9% YoY
 $14,844
+2.4% YoY
 $19,418
+1.3% YoY
 47th in tier
CD Concentration 18.4%
+10.7% YoY+6.0% QoQ
 -6.0% 24.4%
+4.2% YoY
 16.2%
+7.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.3%
-13.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#217 of 1006 • Top 7.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.07%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#273 of 1006 • Top 9.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.07%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#530 of 627 • Top 28.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.66%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -3.49%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk
#189 of 550 • Bottom 11.4% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.66%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 18.44%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#197 of 550 • Bottom 11.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY

Institutional Decline

decline
#155 of 256 • Bottom 19.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $232.78M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -3.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.63%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Efficiency Drag

risk
#505 of 521 • Bottom 28.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.91%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 1.08% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -3.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
66
Total Delinquency Rate (60+ days)
risk
Value: 0.11%
Peer Avg: 0.86%
#66 of 1077 Top 6.0% in 100M-500M tier
198
Net Charge-Off Rate
risk
Value: 0.12%
Peer Avg: 0.47%
#198 of 1077 Top 18.3% in 100M-500M tier
216
AMR Growth Rate
growth
Value: 7.07%
Peer Avg: 3.64%
#216 of 1077 Top 20.0% in 100M-500M tier
231
Members Per Employee (MPE)
engagement
Value: 393.692
Peer Avg: 332.881
#231 of 1077 Top 21.4% in 100M-500M tier
264
Asset Growth Rate
growth
Value: 7.11%
Peer Avg: 4.70%
#264 of 1077 Top 24.4% in 100M-500M tier

Top Weaknesses (2 metrics)

908
Member Growth Rate
growth
Value: -3.49%
Peer Avg: 0.72%
#908 of 1077 Bottom 15.8% in 100M-500M tier
845
First Mortgage Concentration (%)
balance_sheet
Value: 44.07%
Peer Avg: 30.43%
#845 of 1077 Bottom 21.6% in 100M-500M tier