Federal credit union · PALISADE, Nebraska · NCUA charter #24682
Pioneer Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $4.9M
- Total assets
- 712
- Members
- 15.9%
- Net-worth ratio
Pioneer Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.9M; members 712; net-worth ratio 15.94%; health rank #1,591 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,591 of 4,374 health · 2025Q4Pioneer Community · health 87/100 · $4.9M · 2025Q4
Call Report peers
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Pioneer Community vs every NCUA-scored credit union
Pioneer Community sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Pioneer Community vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 91.09% vs peer 63.60% (+27.49 pp).
- Largest lag: Net Worth Ratio at 15.94% vs peer 19.06% (-3.12 pp).
Where Pioneer Community sits in Nebraska
- In Nebraska, health place is #13 of 50 on the same NCUA-ratio sort used nationally.
- By total assets, Pioneer Community is #46 of 50 in Nebraska.
- Membership ranks #44 of 50 among Nebraska CUs with a reported count (712 members).
- One place up in Nebraska, ONENEBRASKA (#12) scores 88/100, 1 point higher; one place down, First Nebraska (#14) ties at 87/100.
Pioneer Community: 2025Q4 → 2026Q1
Pioneer Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $4.9M (2025Q4) to $5.0M (2026Q1).
- Net-worth ratio shifted +0.17 pp (15.77% → 15.94%).
This credit union's 15.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Pioneer Community gives up 13 points in total. Member Growth costs the most, 8.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.9 pts
- Return on Assets 15.0 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 14.8 pts
Pioneer Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.94% | -3.12 pp |
| Delinquency Rate | 0.91% | -0.89 pp |
| Return on Assets | 1.46% | +1.01 pp |
| Member Growth | -1.52% | - |
| Loan-to-Share Ratio | 91.09% | +27.49 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Pioneer Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.0M | - |
| 2025Q4 | $4.9M | 712 |
| 2024Q4 | $5.3M | 723 |
| 2023Q4 | $5.3M | 740 |
Credit Union Details
- Charter Number
- 24682
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Nebraska
- City
- PALISADE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Pioneer Community runs one office.
| Office | City |
|---|---|
| Pioneer Community FCU (Main Office) | Palisade, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
A look at other Nebraska credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Pioneer Community
Similar health score
Using this data
- Pioneer Community ranks #1,591 of 4,374 nationally on financial health and #13 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Local 265 Ibew is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Local 265 Ibew
Frequently Asked Questions
Is Pioneer Community financially healthy?
Pioneer Community has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,591 of 4,374 nationally on health and #13 of 50 in Nebraska. Its net worth ratio is 15.94% and its delinquency rate 0.91%.
How does Pioneer Community compare to other credit unions?
Pioneer Community scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (91.09% vs 63.60%). Its widest shortfall is net worth ratio (15.94% vs 19.06%).
How can I join Pioneer Community?
Pioneer Community 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 Community directly for the exact boundaries and application steps.
Is my money safe at Pioneer Community?
Pioneer Community 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 Community's net worth ratio of 15.94% 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.