Federal credit union · Springfield, Massachusetts · NCUA charter #24443
Pioneer Valley
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $160.4M
- Total assets
- 11,560
- Members
- 11.6%
- Net-worth ratio
Pioneer Valley scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $160.4M; members 11,560; net-worth ratio 11.61%; health rank #645 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#645 of 4,374 health · 2025Q4Pioneer Valley · health 93/100 · $160.4M · 2025Q4
- CAMELS 93/100
- HEALTH 11.6%
- NW 0.42%
- DELQ 0.33%
- ROA $160.4M
- ASSETS 11,560
- MEM #645/4,374
- RANK Priorityone Credit Union of Florida
- PHOTO 24443
Call Report peers
Pioneer Valley in the assets neighbourhood
Pioneer Valley's $160.4M assets sit next to Priorityone Credit Union of Florida ($160.5M) 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 Valley 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
93 Top 16% higher than 84% 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 Valley - Share Insurance Coverage
Charter #24443's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Pioneer Valley: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 90.99% vs peer 72.20% (+18.79 pp).
- Net Worth Ratio trails the peer set - 11.61% here, 12.11% peer average (-0.50 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Pioneer Valley sits in Massachusetts
- Massachusetts health ordinal: #17 of 126.
- Assets rank #50 of 126 inside Massachusetts ($160.4M reported).
- Massachusetts membership ordinal: #40 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Pioneer Valley
Pioneer Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $160.4M (2025Q4) to $164.9M (2026Q1).
- Net-worth ratio shifted -0.02 pp (11.63% → 11.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.5 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Pioneer Valley
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.61% | -0.50 pp |
| Delinquency Rate | 0.42% | -0.47 pp |
| Return on Assets | 0.33% | -0.29 pp |
| Member Growth | 1.28% | - |
| Loan-to-Share Ratio | 90.99% | +18.79 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 Valley quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $164.9M | - |
| 2025Q4 | $160.4M | 11,560 |
| 2024Q4 | $154.5M | 11,414 |
| 2023Q4 | $155.7M | 11,449 |
Credit Union Details
- Charter Number
- 24443
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Locations (5)
Pioneer Valley operates 5 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Springfield, MA |
| East Springfield Branch | Springfield, MA |
| Baystate Branch | Springfield, MA |
| Sixteen Acres Branch | Springfield, MA |
| Savage Arms Branch | Westfield, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Pioneer Valley nationwide neighbourhoods
Cross-state asset and health neighbours for Pioneer Valley - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($160.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Pioneer Valley ranks #645 of 4,374 nationally on financial health and #17 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ARRHA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ARRHA
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts 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 Valley financially healthy?
Pioneer Valley has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #645 of 4,374; by total assets it ranks #1,447 of 4,374 nationally (same basis as /rankings/largest); and #50 of 126 within Massachusetts. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.61% and delinquency rate of 0.42%.
How does Pioneer Valley compare to other credit unions?
Pioneer Valley scores 93/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Valley?
Pioneer Valley serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Pioneer Valley directly for the current list of qualifying groups.
Is my money safe at Pioneer Valley?
Federal credit unions like Pioneer Valley 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 Valley's net worth ratio of 11.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pioneer Valley offer compared to banks?
Credit unions like Pioneer Valley 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 Valley 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.