BlastPoint's Credit Union Scorecard
PIONEER APPALACHIA
Charter #3576 · WV
PIONEER APPALACHIA has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 28.7% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 44.9% in tier
- - Stagnation Risk: Bottom 81.0% in tier
- - Credit Risk Growth: Bottom 95.2% in tier
- - Efficiency Drag: Bottom 96.1% in tier
- - Credit Quality Pressure: Bottom 99.3% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 4.47% above tier (higher cost structure)
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,237
-3.1% YoY-0.8% QoQ
|
-200 |
15,437
-2.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$238.8M
+8.7% YoY+2.6% QoQ
|
+$7.0M |
$231.9M
+1.3% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$135.3M
+3.7% YoY+2.6% QoQ
|
$-12.0M |
$147.3M
-0.1% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$211.0M
+8.6% YoY+2.5% QoQ
|
+$10.1M |
$200.8M
+0.8% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
0.7%
-540.3% YoY+3.4% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.1%
+1.0% YoY-0.1% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
81.5%
-19.8% YoY-0.5% QoQ
|
+4.5% |
77.0%
-3.1% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.2%
+1.3% YoY+42.3% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.0% in tier |
| Loan To Share |
64.1%
-4.5% YoY+0.1% QoQ
|
-8.1% |
72.2%
-1.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$22,726
+10.0% YoY+3.3% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
19.1%
+20.8% YoY+3.7% QoQ
|
-5.3% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)