BlastPoint's Credit Union Scorecard
PIONEER
Charter #9247 · ID
PIONEER has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does ID stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 36.2% in tier
- + Total Deposits: Top 1.8% in tier
- + Total Assets: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 9.0% in tier
- - Efficiency Drag: Bottom 37.5% in tier
- - Stagnation Risk: Bottom 83.4% in tier
- - Membership Headwinds: Bottom 83.4% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 4.35% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - Member decline: -3.4% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in Idaho.
- Shares and deposits +3.8% year over year ($672M in shares and deposits).
- Membership: 47,456 members, -3.4% vs a year ago.
- Delinquency rate 1.08%.
- Return on assets 0.58%.
- Efficiency ratio 80.91% vs a 76.56% peer average.
- Loan-to-share ratio 76.88% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,456
-3.4% YoY-0.6% QoQ
|
+9.6K |
37,897
-5.0% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
Top 12.7% in tier |
| Assets |
$744.0M
+2.2% YoY+0.7% QoQ
|
+$121.6M |
$622.4M
+0.6% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
Top 3.0% in tier |
| Loans |
$516.9M
-1.1% YoY+3.4% QoQ
|
+$88.4M |
$428.5M
-0.7% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$672.4M
+3.8% YoY+0.9% QoQ
|
+$132.6M |
$539.8M
+0.9% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
Top 2.4% in tier |
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| ROA |
0.6%
+8.5% YoY-37.1% QoQ
|
-0.2% |
0.8%
+39.5% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
37% |
| NIM |
3.2%
+4.3% YoY+1.5% QoQ
|
-0.4% |
3.5%
+5.0% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
80.9%
+2.6% YoY+4.3% QoQ
|
+4.3% |
76.6%
-3.6% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
1.1%
-28.6% YoY+9.1% QoQ
|
+0.3 |
0.8%
+3.1% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
76.9%
-4.7% YoY+2.5% QoQ
|
-2.5% |
79.3%
-1.4% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$25,061
+5.2% YoY+2.6% QoQ
|
$-2K |
$27,294
+4.1% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
29.2%
-3.6% YoY+3.8% QoQ
|
+4.6% | 24.6% | 31.4% | 20.0% | 68% |
| Indirect Auto % |
13.8%
-35.9% YoY-14.3% QoQ
|
+0.2% | 13.6% | 14.2% | 7.7% | 61% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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)