BlastPoint's Credit Union Scorecard

PIONEER APPALACHIA

Charter #3576 · WV

100M-500M

1070 CUs in 100M-500M nationally 8 in WV

PIONEER APPALACHIA has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 3.1% in tier
+ AMR Growth Rate: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.33% below tier average
- Efficiency ratio 7.35% above tier (higher cost structure)
- Member decline: -3.5% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	15,071 -3.5% YoY-1.1% QoQ	-74	15,145 -2.5% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	59%
Assets	$245.5M +8.7% YoY+2.8% QoQ	+$13.7M	$231.7M +0.8% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	62%
Loans	$135.7M +3.9% YoY+0.3% QoQ	$-8.4M	$144.1M +0.2% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	56%
Deposits	$217.9M +8.5% YoY+3.3% QoQ	+$16.7M	$201.1M +0.4% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	63%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% +22.4% YoY-42.3% QoQ	-0.3%	0.7% +5.1% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	29%
NIM	3.0% -6.8% YoY-5.7% QoQ	-0.7%	3.6% +4.6% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	Bottom 14.1% in tier
Efficiency Ratio	85.4% -4.1% YoY+4.8% QoQ	+7.4%	78.0% -1.7% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	73%
Delinquency Rate	0.1% -40.6% YoY-66.1% QoQ	-0.7	0.8% +7.1% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	Top 3.1% in tier
Loan To Share	62.3% -4.2% YoY-2.9% QoQ	-8.1%	70.4% -0.4% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	31%
AMR	$23,462 +10.5% YoY+3.2% QoQ	$-1K	$24,918 +2.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	53%
CD Concentration	19.0% +12.9% YoY-0.7% QoQ	-5.3%	24.3%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#106 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.50%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#217 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -3.45%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#270 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 85.38%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.07% points

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

but better than tier avg

Member Growth (YoY): -3.45%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#441 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.45%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.90%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.06%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

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

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: 0.61%

#34 of 1070 Top 3.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.50%

Peer Median: 3.46%

#85 of 1070 Top 7.9% in 100M-500M tier

154

Asset Growth Rate

growth

Value: 8.65%

Peer Median: 3.91%

#154 of 1070 Top 14.3% in 100M-500M tier

157

Deposit Growth Rate

growth

Value: 8.50%

Peer Median: 3.30%

#157 of 1070 Top 14.6% in 100M-500M tier

223

Members Per Employee (MPE)

engagement

Value: 396.605

Peer Median: 309.176

#223 of 1070 Top 20.7% in 100M-500M tier

Top Weaknesses (3 metrics)

919

Net Interest Margin (NIM)

profitability

Value: 2.96%

Peer Median: 3.62%

#919 of 1070 Bottom 14.2% in 100M-500M tier

889

Member Growth Rate

growth

Value: -3.45%

Peer Median: -0.06%

#889 of 1070 Bottom 17.0% in 100M-500M tier

872

First Mortgage Concentration (%)

balance_sheet

Value: 46.37%

Peer Median: 29.47%

#872 of 1070 Bottom 18.6% in 100M-500M tier