Federal credit union · MOUNTAIN HOME, Idaho · NCUA charter #9247
PIONEER
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $734.5M
- Total assets
- 48,179
- Members
- 10.0%
- Net-worth ratio
PIONEER scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $734.5M; members 48,179; net-worth ratio 9.99%; health rank #3,119 of 4,374; healthier than 28th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,119 of 4,374 health · 2025Q4PIONEER · health 77/100 · $734.5M · 2025Q4
Call Report peers
PIONEER in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PIONEER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PIONEER sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PIONEER: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 77.23% here, 83.90% peer average (-6.67 pp).
Idaho standing for PIONEER
- Idaho health ordinal: #19 of 26.
- Idaho assets place: #5 of 26.
- Idaho membership ordinal: #6 of 26.
- One place up in Idaho, Mini-Cassia Empl. (#18) ties at 77/100; one place down, Potlatch No. 1 Financial (#20) scores 76/100, 1 point lower.
PIONEER: 2025Q4 → 2026Q1
PIONEER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $734.5M (2025Q4) to $738.6M (2026Q1).
- Net-worth ratio shifted +0.17 pp (9.82% → 9.99%).
This credit union's 9.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
PIONEER gives up 23 points in total. Delinquency Rate costs the most, 10.5 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.5 pts
- Return on Assets 12.5 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.99% | -1.19 pp |
| Delinquency Rate | 1.74% | +0.86 pp |
| Return on Assets | 0.33% | -0.17 pp |
| Member Growth | -2.34% | - |
| Loan-to-Share Ratio | 77.23% | -6.67 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $738.6M | - |
| 2025Q4 | $734.5M | 48,179 |
| 2024Q4 | $708.9M | 49,331 |
| 2023Q4 | $746.2M | 50,245 |
Credit Union Details
- Charter Number
- 9247
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Idaho
- City
- MOUNTAIN HOME
- Data Quarter
- 2025Q4
Branch Locations (16)
Per its most recent NCUA branch filing, PIONEER runs 16 offices in 11 different cities.
| Office | City |
|---|---|
| Mountain Home Headquarters (Main Office) | Mountain Home, ID |
| State Street Branch | Boise, ID |
| Broadway Branch | Boise, ID |
| Overland Branch | Boise, ID |
| Caldwell Branch | Caldwell, ID |
| Glenns Ferry ATM | Glenns Ferry, ID |
| Gooding Branch | Gooding, ID |
| Hailey Branch | Hailey, ID |
| Jerome Branch | Jerome, ID |
| Meridian Branch | Meridian, ID |
| Middleton Branch | Middleton, ID |
| Main Branch | Mountain Home, ID |
| 8th Street Branch | Mountain Home, ID |
| Mountain Home Administration | Mountain Home, ID |
| Nampa Branch | Nampa, ID |
| Twin Falls Branch | Twin Falls, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
Other federally-insured credit unions in Idaho, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- PIONEER ranks #3,119 of 4,374 nationally on financial health and #19 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FRONTIER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FRONTIER
Frequently Asked Questions
Is PIONEER financially healthy?
PIONEER has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,119 of 4,374 nationally on health and #19 of 26 in Idaho. Its net worth ratio is 9.99% and its delinquency rate 1.74%.
How does PIONEER compare to other credit unions?
PIONEER scores 77/100, higher than 28% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (77.23% vs 83.90%).
How can I join PIONEER?
PIONEER operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact PIONEER directly for the exact boundaries and application steps.
Is my money safe at PIONEER?
PIONEER is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. PIONEER's net worth ratio of 9.99% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.