Side-by-side · Q2 2026 data
Pioneer Bank vs Eddy Federal Credit Union
Metric by metric
| Measure | Pioneer Bank | Eddy Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 80 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 43 | 100 (stronger) |
| Earnings | 100 (stronger) | 20 |
| Funding & liquidity | 84 (stronger) | 70 |
| Problem-loan coverage | 80 | 100 (stronger) |
| Peer percentile | 70th | 65th |
| Total assets | $1.1B | $61.8M |
| Deposits / shares | $850.8M | $50.0M |
| Capital ratio | 12.32% | 18.34% (stronger) |
| Problem loans | 1.71% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 1.30% |
| Return on assets | 2.58% (stronger) | -0.00% |
| Loans ÷ deposits | 72.3% (stronger) | 90.5% |
| Uninsured deposits | 18.7% | 6.8% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.8% | — |
Eddy Federal Credit Union has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 3 and Eddy Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.