BlastPoint's Credit Union Scorecard

PIONEER

Charter #9247 · ID

Community 500M-750M

165 CUs in 500M-750M nationally 4 in ID

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PIONEER has 2 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Deposits: Top 1.8% in tier
+ Total Assets: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 34.0% in tier
- Membership Headwinds: Bottom 56.1% in tier
- Credit Quality Pressure: Bottom 60.1% in tier
- Indirect Auto Dependency: Bottom 80.0% in tier
- ROA 0.11% below tier average
- Efficiency ratio 1.99% above tier (higher cost structure)
- Delinquency rate 0.90% above tier average
- Member decline: -2.3% YoY
- Total Delinquency Rate (60+ days): Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	48,179 -2.3% YoY-1.2% QoQ	+9.6K	38,575 -4.8% YoY	54,272 +7.9% YoY	33,374 +5.7% YoY	Top 13.9% in tier
Assets	$734.5M +3.6% YoY-0.2% QoQ	+$112.8M	$621.7M +0.1% YoY	$970.0M +13.3% YoY	$561.6M +9.7% YoY	Top 4.2% in tier
Loans	$512.9M +0.0% YoY-0.1% QoQ	+$83.1M	$429.8M -1.8% YoY	$802.2M +13.5% YoY	$397.0M +8.8% YoY	78%
Deposits	$664.2M +4.0% YoY+1.2% QoQ	+$125.5M	$538.7M +0.6% YoY	$828.5M +12.5% YoY	$477.3M +9.7% YoY	Top 2.4% in tier

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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	0.6% +58.5% YoY-14.4% QoQ	-0.1%	0.7% +42.9% YoY	0.8% +25.2% YoY	0.7% +15.9% YoY	44%
NIM	3.0% +7.5% YoY+1.1% QoQ	-0.4%	3.4% +8.0% YoY	3.7% +5.8% YoY	3.8% +5.1% YoY	22%
Efficiency Ratio	79.5% -1.7% YoY+2.0% QoQ	+2.0%	77.5% -4.1% YoY	73.6% -4.6% YoY	79.7% -3.3% YoY	57%
Delinquency Rate	1.7% +9.6% YoY+15.9% QoQ	+0.9	0.8% -1.1% YoY	0.9% -20.4% YoY	1.3% -2.1% YoY	Top 7.3% in tier
Loan To Share	77.2% -3.8% YoY-1.3% QoQ	-2.6%	79.8% -2.3% YoY	84.8% -0.9% YoY	67.4% -1.7% YoY	35%
AMR	$24,433 +4.7% YoY+1.8% QoQ	$-2K	$26,849 +2.7% YoY	$24,417 +3.6% YoY	$19,687 +2.0% YoY	43%
CD Concentration	29.0% -5.4% YoY-1.5% QoQ	+4.6%	24.4%	27.2%	19.8%	67%
Indirect Auto %	17.8% -33.6% YoY-9.9% QoQ	+4.0%	13.8%	11.9%	7.8%	68%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#189 of 554 • Bottom 34.0% 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): -2.34%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.02%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.74%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#311 of 554 • Bottom 56.1% in tier

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

Why This Signature

Member Growth (YoY): -2.34%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#424 of 705 • Bottom 60.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#405 of 506 • Bottom 80.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.61%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 17.79%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.34%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

745 nationally

↓ Shrinking -35 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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (5 metrics)

Total Deposits

balance_sheet

Value: $664.19M

Peer Median: -

#4 of 165 Top 1.8% in 500M-750M tier

Total Assets

balance_sheet

Value: $734.47M

Peer Median: -

#7 of 165 Top 3.6% in 500M-750M tier

Total Members

engagement

Value: 48,179

Peer Median: -

#23 of 165 Top 13.3% in 500M-750M tier

Fee Income Per Member

profitability

Value: $284.43

Peer Median: -

#25 of 165 Top 14.5% in 500M-750M tier

Total Loans

balance_sheet

Value: $512.94M

Peer Median: -

#36 of 165 Top 21.2% in 500M-750M tier

Top Weaknesses (3 metrics)

154

Total Delinquency Rate (60+ days)

risk

Value: 1.74%

Peer Median: -

#154 of 165 Bottom 7.3% in 500M-750M tier

132

Member Growth Rate

growth

Value: -2.34%

Peer Median: -

#132 of 165 Bottom 20.6% in 500M-750M tier

128

Net Interest Margin (NIM)

profitability

Value: 3.05%

Peer Median: -

#128 of 165 Bottom 23.0% in 500M-750M tier