PIONEER
Charter #9247 · MOUNTAIN HOME, ID · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.93% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.12% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.99% sits at the 79th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 30th — a 39-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $738.64M | 57th pct | 31th pct |
| Members | 47,722 | 69th pct | 30th pct |
| Net worth ratio | 9.99% | 42th pct | 46th pct |
| Return on average assets | 0.93% | 69th pct | 87th pct |
| Net interest margin | 3.12% | 25th pct | 8th pct |
| Cost of funds | 1.51% | 53th pct | 64th pct |
| Loan-to-share | 75.01% | 34th pct | 44th pct |
| Delinquency 60+ days | 0.99% | 77th pct | 79th pct |
| Net charge-off ratio | 0.64% | 71th pct | 51th pct |
| Loan growth YoY | -2.71% | 13th pct | 5th pct |
| Share growth YoY | 1.51% | 18th pct | 22th pct |
| Efficiency ratio | 77.59% | 47th pct | 46th pct |
structural peer set hash: efa6adbcfa8e69732dfb8b837b0a0047… (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.