Federal credit union · Charleston, West Virginia · NCUA charter #3576
Pioneer Appalachia
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $238.8M
- Total assets
- 15,237
- Members
- 11.1%
- Net-worth ratio
Pioneer Appalachia scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $238.8M; members 15,237; net-worth ratio 11.09%; health rank #3,282 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,282 of 4,374 health · 2025Q4Pioneer Appalachia · health 75/100 · $238.8M · 2025Q4
- CAMELS 75/100
- HEALTH 11.1%
- NW 0.16%
- DELQ -0.14%
- ROA $238.8M
- ASSETS 15,237
- MEM #3,282/4,374
- RANK LUSO
- PHOTO 3576
Call Report peers
Pioneer Appalachia in the assets neighbourhood
Pioneer Appalachia's $238.8M assets sit next to LUSO ($238.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pioneer Appalachia vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Pioneer Appalachia - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #3576 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Pioneer Appalachia
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.73 pp (0.16% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.05 pp (64.15% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
West Virginia standing for Pioneer Appalachia
- Health composite ranks #52 of 74 among scored West Virginia credit unions.
- West Virginia assets place: #5 of 74.
- Membership ranks #5 of 74 among West Virginia CUs with a reported count (15,237 members).
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Pioneer Appalachia
Pioneer Appalachia: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $238.8M (2025Q4) to $245.5M (2026Q1).
- Net-worth ratio shifted -0.20 pp (11.29% → 11.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 3.2 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 13.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.09% | -1.02 pp |
| Delinquency Rate | 0.16% | -0.73 pp |
| Return on Assets | -0.14% | -0.77 pp |
| Member Growth | -3.08% | - |
| Loan-to-Share Ratio | 64.15% | -8.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Pioneer Appalachia filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $245.5M | - |
| 2025Q4 | $238.8M | 15,237 |
| 2024Q4 | $219.8M | 15,721 |
| 2023Q4 | $227.8M | 16,329 |
Credit Union Details
- Charter Number
- 3576
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- West Virginia
- City
- Charleston
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Pioneer Appalachia runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Charleston, WV |
| Guyandotte | Huntington, WV |
| Teays Valley | Hurricane, WV |
| University Town Center - Morgantown | Morgantown, WV |
| South Charleston | South Charleston, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match and asset size.
Pioneer Appalachia nationwide neighbourhoods
Cross-state asset and health neighbours for Pioneer Appalachia - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($238.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Pioneer Appalachia ranks #3,282 of 4,374 nationally on financial health and #52 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Long Reach is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Long Reach
- Rates and health both vary by institution, not just by state -- see how West Virginia credit unions compare overall before assuming this one is typical. West Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Pioneer Appalachia financially healthy?
Pioneer Appalachia has a financial health score of 75/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,282 of 4,374; by total assets it ranks #1,172 of 4,374 nationally (same basis as /rankings/largest); and #5 of 74 within West Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.09% and delinquency rate of 0.16%.
How does Pioneer Appalachia compare to other credit unions?
Five weighted metrics from NCUA filings produce Pioneer Appalachia's 75/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Pioneer Appalachia?
Pioneer Appalachia 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 Appalachia directly for the exact boundaries and application steps.
Is my money safe at Pioneer Appalachia?
Federal credit unions like Pioneer Appalachia are 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 Appalachia's net worth ratio of 11.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pioneer Appalachia offer compared to banks?
Credit unions like Pioneer Appalachia are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Pioneer Appalachia directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.