Side-by-side · Q2 2026 data
Pioneer Appalachia Federal Credit Union vs Bayer Heritage Federal Credit Union
Credit union
Pioneer Appalachia Federal Credit Union
Charleston, West Virginia · $100 million – $1 billion
Credit union
Bayer Heritage Federal Credit Union
New Martinsvill, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Pioneer Appalachia Federal Credit Union | Bayer Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 54 |
| Capital cushion | 63 (stronger) | 49 |
| Loan quality | 98 (stronger) | 44 |
| Earnings | 41 | 53 (stronger) |
| Funding & liquidity | 94 (stronger) | 72 |
| Problem-loan coverage | 99 (stronger) | 73 |
| Peer percentile | 68th | 10th |
| Total assets | $245.2M | $800.7M |
| Deposits / shares | $216.8M | $721.6M |
| Capital ratio | 11.26% (stronger) | 9.90% |
| Problem loans | 0.07% (stronger) | 1.68% |
| Net charge-offs | 0.26% (stronger) | 0.60% |
| Return on assets | 0.52% | 0.81% (stronger) |
| Loans ÷ deposits | 65.9% (stronger) | 88.1% |
| Uninsured deposits | 7.3% | 6.8% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
Pioneer Appalachia Federal Credit Union has the higher TellerScore (76 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Appalachia Federal Credit Union leads on 5 and Bayer Heritage Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.