PIONEER VALLEY
Charter #24443 · Springfield, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.40% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.64% sits at the 92nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 56th — a 28-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PIONEER VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $164.93M | 37th pct | 31th pct |
| Members | 11,570 | 42th pct | 61th pct |
| Net worth ratio | 11.61% | 51th pct | 59th pct |
| Return on average assets | 0.67% | 47th pct | 54th pct |
| Net interest margin | 3.37% | 33th pct | 49th pct |
| Cost of funds | 2.40% | 96th pct | 82th pct |
| Loan-to-share | 87.04% | 84th pct | 56th pct |
| Delinquency 60+ days | 0.38% | 29th pct | 41th pct |
| Net charge-off ratio | 0.64% | 75th pct | 92th pct |
| Loan growth YoY | -1.82% | 26th pct | 13th pct |
| Share growth YoY | 3.51% | 51th pct | 49th pct |
| Efficiency ratio | 77.77% | 47th pct | 36th pct |
structural peer set hash: 5fbc906a55958a492da40be25cd88437… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.