PIONEER COMMUNITY
Charter #24682 · PALISADE, NE · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.44% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 36th — a 23-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.98M | 59th pct | 36th pct |
| Members | 766 | 67th pct | 49th pct |
| Net worth ratio | 15.94% | 43th pct | 56th pct |
| Return on average assets | 1.08% | 74th pct | 61th pct |
| Net interest margin | 5.44% | 85th pct | 80th pct |
| Cost of funds | 0.80% | 60th pct | 39th pct |
| Loan-to-share | 89.90% | 87th pct | 72th pct |
| Delinquency 60+ days | 1.14% | 55th pct | 51th pct |
| Net charge-off ratio | 0.00% | 22th pct | 26th pct |
| Loan growth YoY | -0.39% | 72th pct | 69th pct |
| Share growth YoY | -0.01% | 49th pct | 43th pct |
| Efficiency ratio | 81.13% | 42th pct | 54th pct |
structural peer set hash: 4858ed306afc70d2f83d61c42c8d72ab… (reproducible)
Closest structural peers
This is the free public view
Claim PIONEER COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.