BlastPoint's Credit Union Scorecard
PIONEER
Charter #9247 · ID
PIONEER has 4 strengths but faces 7 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
- + ROA 0.24% above tier average
- + Total Assets: Top 3.6% in tier
- + Total Deposits: Top 3.6% in tier
- + Fee Income Per Member: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 9.2% in tier
- - Credit Quality Pressure: Bottom 49.1% in tier
- - Indirect Auto Dependency: Bottom 53.7% in tier
- - Stagnation Risk: Bottom 78.6% in tier
- - Membership Headwinds: Bottom 78.6% in tier
- - Delinquency rate 0.29% above tier average
- - Member decline: -2.7% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,722
-2.7% YoY-0.9% QoQ
|
+9.6K |
38,079
-4.8% YoY
|
55,090
+6.4% YoY
|
33,913
+5.7% YoY
|
Top 12.6% in tier |
| Assets |
$738.6M
+3.7% YoY+0.6% QoQ
|
+$119.0M |
$619.7M
-0.2% YoY
|
$983.6M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
Top 4.2% in tier |
| Loans |
$499.7M
-1.8% YoY-2.6% QoQ
|
+$80.4M |
$419.3M
-1.4% YoY
|
$811.6M
+10.9% YoY
|
$402.4M
+8.7% YoY
|
80% |
| Deposits |
$666.2M
+2.9% YoY+0.3% QoQ
|
+$126.8M |
$539.5M
-0.1% YoY
|
$856.3M
+10.5% YoY
|
$494.3M
+9.1% YoY
|
Top 4.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+40.2% YoY+68.7% QoQ
|
+0.2% |
0.7%
+36.0% YoY
|
0.7%
-6.6% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
3.1%
+4.7% YoY+2.1% QoQ
|
-0.4% |
3.5%
+4.5% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
25% |
| Efficiency Ratio |
77.6%
-1.3% YoY-2.4% QoQ
|
-0.8% |
78.4%
-3.7% YoY
|
76.8%
+3.1% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
1.0%
+2.3% YoY-43.0% QoQ
|
+0.3 |
0.7%
-0.9% YoY
|
0.9%
-16.7% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
75.0%
-4.5% YoY-2.9% QoQ
|
-2.7% |
77.7%
-1.2% YoY
|
83.5%
-0.7% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$24,432
+3.6% YoY-0.0% QoQ
|
$-2K |
$26,927
+3.1% YoY
|
$24,684
+3.7% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
28.1%
-4.3% YoY-3.1% QoQ
|
+3.8% | 24.3% | 27.2% | 19.8% | 65% |
| Indirect Auto % |
16.2%
-34.5% YoY-9.2% QoQ
|
+2.4% | 13.8% | 11.8% | 7.7% | 65% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)