Federal credit union · SUGAR LAND, Texas · NCUA charter #24818
Pioneer Mutual
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $335.6M
- Total assets
- 11,820
- Members
- 12.0%
- Net-worth ratio
Pioneer Mutual scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $335.6M; members 11,820; net-worth ratio 11.98%; health rank #105 of 4,374; healthier than 97th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#105 of 4,374 health · 2025Q4Pioneer Mutual · health 98/100 · $335.6M · 2025Q4
Call Report peers
Pioneer Mutual in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pioneer Mutual vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Pioneer Mutual sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Pioneer Mutual: Call Report deltas vs peers
- Return on Assets leads the peer set - 1.14% here, 0.62% peer average (+0.52 pp).
- Largest lag: Loan-to-Share Ratio at 71.21% vs peer 72.20% (-0.99 pp).
Pioneer Mutual in Texas
- In Texas, health place is #8 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #80 of 386 inside Texas ($335.6M reported).
- Member book place in Texas: #115 of 386.
- One place up in Texas, I.B.E.W. Lu 66 (#7) ties at 98/100; one place down, TEXANS (#9) ties at 98/100.
Pioneer Mutual: 2025Q4 → 2026Q1
Pioneer Mutual: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $335.6M (2025Q4) to $351.1M (2026Q1).
- Net-worth ratio shifted -0.30 pp (12.28% → 11.98%).
11.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 98/100 score is built
Pioneer Mutual gives up 2 points in total. Member Growth costs the most, 1.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Pioneer Mutual
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.98% | -0.13 pp |
| Delinquency Rate | 0.42% | -0.47 pp |
| Return on Assets | 1.14% | +0.52 pp |
| Member Growth | 3.68% | - |
| Loan-to-Share Ratio | 71.21% | -0.99 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Pioneer Mutual quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $351.1M | - |
| 2025Q4 | $335.6M | 11,820 |
| 2024Q4 | $309.7M | 11,400 |
| 2023Q4 | $283.5M | 10,879 |
Credit Union Details
- Charter Number
- 24818
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- SUGAR LAND
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Pioneer Mutual runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Pioneer Mutual Federal CU (Main Office) | Sugar Land, TX |
| Pioneer Mutual Federal CU | Austin, TX |
| Pioneer Mutual FCU | Spring, TX |
| Pioneer Mutual Federal CR | Sugar Land, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near Pioneer Mutual
Using this data
- Pioneer Mutual ranks #105 of 4,374 nationally on financial health and #8 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GULF is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GULF
Frequently Asked Questions
Is Pioneer Mutual financially healthy?
On its 2025Q4 NCUA 5300 filing, Pioneer Mutual scores 98/100 (Excellent), with a 11.98% net worth ratio and 0.42% of loans delinquent. It ranks #105 of 4,374 nationally on health and #8 of 386 in Texas.
How does Pioneer Mutual compare to other credit unions?
Pioneer Mutual scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.14% vs 0.62%). Its widest shortfall is loan-to-share ratio (71.21% vs 72.20%).
How can I join Pioneer Mutual?
Pioneer Mutual 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 Mutual directly for the exact boundaries and application steps.
Is my money safe at Pioneer Mutual?
Pioneer Mutual 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 Mutual's net worth ratio of 11.98% 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.