BlastPoint's Credit Union Scorecard
PIONEER APPALACHIA
Charter #3576 · WV
PIONEER APPALACHIA has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 21.2% in tier
- + Wallet Share Momentum: Top 56.7% 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
|
58% |
| 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
|
59% |
| 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
|
54% |
| 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
|
60% |
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| 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
|
43% |
| 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
|
25% |
| 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
|
67% |
| 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
|
29% |
| 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
|
47% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)