PIONEER

Charter #9247 | ID

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in ID

PIONEER has 4 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 16.7% in tier
  • + Wallet Share Momentum: Top 20.8% in tier
  • + Total Deposits: Top 1.8% in tier
  • + Total Assets: Top 6.5% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 17.1% in tier
  • - Membership Headwinds: Bottom 20.5% in tier
  • - Indirect Auto Dependency: Bottom 20.8% in tier
  • - ROA 0.02% below tier average
  • - Delinquency rate 0.70% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 48,760
-1.9% YoY-0.8% QoQ
 +9.0K 39,752
-2.7% YoY
 53,577
+7.1% YoY
 33,089
+6.1% YoY
 Top 17.8% in tier
Assets $736.1M
+4.0% YoY+1.2% QoQ
 +$113.7M $622.4M
+0.3% YoY
 $936.8M
+11.3% YoY
 $547.7M
+7.8% YoY
 Top 7.1% in tier
Loans $513.6M
+2.0% YoY-1.7% QoQ
 +$77.7M $435.9M
-0.4% YoY
 $777.6M
+12.0% YoY
 $388.7M
+8.6% YoY
 Top 22.5% in tier
Deposits $656.3M
+2.1% YoY+1.3% QoQ
 +$118.3M $538.0M
+1.3% YoY
 $812.6M
+12.3% YoY
 $464.6M
+9.3% YoY
 Top 2.4% in tier
ROA 0.6%
+31.3% YoY+19.5% QoQ
 -0.0% 0.7%
+33.9% YoY
 0.6%
-15.0% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 3.0%
+7.9% YoY-0.5% QoQ
 -0.4% 3.4%
+8.6% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Bottom 23.7% in tier
Efficiency Ratio 78.0%
-1.4% YoY-1.1% QoQ
 -0.1% 78.1%
-3.4% YoY
 73.1%
-2.3% YoY
 79.1%
-3.3% YoY
 47th in tier
Delinquency Rate 1.5%
-10.0% YoY-0.9% QoQ
 +0.7 0.8%
-4.9% YoY
 0.9%
-2.1% YoY
 1.2%
-0.9% YoY
 Top 13.0% in tier
Loan To Share 78.3%
-0.1% YoY-3.0% QoQ
 -2.8% 81.0%
-1.8% YoY
 85.6%
-1.1% YoY
 68.0%
-1.7% YoY
 35th in tier
AMR $23,994
+4.0% YoY+0.7% QoQ
 $-2K $26,482
+2.6% YoY
 $24,176
+3.9% YoY
 $19,418
+1.3% YoY
 45th in tier
CD Concentration 29.5%
-4.6% YoY-2.6% QoQ
 +5.1% 24.4%
+4.2% YoY
 27.1%
+1.8% YoY
 19.6%
+6.2% YoY
 69th in tier
Indirect Auto % 19.8%
-33.7% YoY-8.5% QoQ
 +5.8% 14.0%
-5.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 70th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#460 of 1006 • Top 16.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.02%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#574 of 1006 • Top 20.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.02%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Stagnation Risk

risk
#283 of 550 • Bottom 17.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.64%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.88%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $24.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 29.46%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#339 of 550 • Bottom 20.5% in tier

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

Why This Signature
Member Growth (YoY): -1.88%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#335 of 525 • Bottom 20.8% in tier

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

Why This Signature
Asset Growth (YoY): 4.00%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 19.76%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.88%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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)

Comparing against 169 peers in tier

Top Strengths (5 metrics)

4
Total Deposits
balance_sheet
Value: $656.33M
Peer Avg: $538.02M
#4 of 169 Top 1.8% in 500M-750M tier
12
Total Assets
balance_sheet
Value: $736.12M
Peer Avg: $622.38M
#12 of 169 Top 6.5% in 500M-750M tier
22
Fee Income Per Member
profitability
Value: $292.20
Peer Avg: $199.27
#22 of 169 Top 12.4% in 500M-750M tier
30
Total Members
engagement
Value: 48,760
Peer Avg: 39,752
#30 of 169 Top 17.2% in 500M-750M tier
38
Total Loans
balance_sheet
Value: $513.64M
Peer Avg: $435.95M
#38 of 169 Top 21.9% in 500M-750M tier

Top Weaknesses (5 metrics)

148
Total Delinquency Rate (60+ days)
risk
Value: 1.50%
Peer Avg: 0.80%
#148 of 169 Bottom 13.0% in 500M-750M tier
136
Member Growth Rate
growth
Value: -1.88%
Peer Avg: 1.75%
#136 of 169 Bottom 20.1% in 500M-750M tier
129
Net Interest Margin (NIM)
profitability
Value: 3.01%
Peer Avg: 3.43%
#129 of 169 Bottom 24.3% in 500M-750M tier
128
Net Charge-Off Rate
risk
Value: 0.69%
Peer Avg: 0.51%
#128 of 169 Bottom 24.9% in 500M-750M tier
128
Members Per Employee (MPE)
engagement
Value: 266.448
Peer Avg: 338.010
#128 of 169 Bottom 24.9% in 500M-750M tier