PIONEER APPALACHIA
Charter #3576 · Charleston, WV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.00% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.06% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 41st — a 18-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 APPALACHIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $245.45M | 62th pct | 48th pct |
| Members | 15,071 | 59th pct | 41th pct |
| Net worth ratio | 11.09% | 44th pct | 51th pct |
| Return on average assets | 0.40% | 29th pct | 31th pct |
| Net interest margin | 3.00% | 15th pct | 5th pct |
| Cost of funds | 1.06% | 42th pct | 49th pct |
| Loan-to-share | 62.29% | 31th pct | 41th pct |
| Delinquency 60+ days | 0.06% | 3th pct | 2th pct |
| Net charge-off ratio | 0.43% | 57th pct | 54th pct |
| Loan growth YoY | 2.88% | 74th pct | 75th pct |
| Share growth YoY | 5.86% | 79th pct | 87th pct |
| Efficiency ratio | 85.38% | 73th pct | 72th pct |
structural peer set hash: f227367d449472986439f3dd1571b135… (reproducible)
Closest structural peers
This is the free public view
Claim PIONEER APPALACHIA
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.