PIONEER MUTUAL
Charter #24818 · SUGAR LAND, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.45% sits at the 8th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.00% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
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 MUTUAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $351.13M | 82th pct | 67th pct |
| Members | 11,951 | 44th pct | 38th pct |
| Net worth ratio | 11.98% | 57th pct | 59th pct |
| Return on average assets | 0.99% | 69th pct | 69th pct |
| Net interest margin | 2.45% | 4th pct | 8th pct |
| Cost of funds | 1.71% | 77th pct | 70th pct |
| Loan-to-share | 68.09% | 42th pct | 38th pct |
| Delinquency 60+ days | 0.51% | 42th pct | 43th pct |
| Net charge-off ratio | -0.00% | 5th pct | 7th pct |
| Loan growth YoY | -0.10% | 46th pct | 36th pct |
| Share growth YoY | 1.10% | 18th pct | 25th pct |
| Efficiency ratio | 73.44% | 32th pct | 30th pct |
structural peer set hash: 275c89054bb350fc2b82917aa6b10c51… (reproducible)
Closest structural peers
This is the free public view
Claim PIONEER MUTUAL
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.