Side-by-side · Q2 2026 data
Pioneer Bank vs Augusta County Federal Credit Union
Credit union
Augusta County Federal Credit Union
Verona, Virginia · Under $100 million in assets
Metric by metric
| Measure | Pioneer Bank | Augusta County Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 76 |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 99 (stronger) | 9 |
| Earnings | 100 (stronger) | 97 |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 86th | 54th |
| Total assets | $371.8M | $25.7M |
| Deposits / shares | $296.2M | $18.7M |
| Capital ratio | 11.96% | 26.25% (stronger) |
| Problem loans | 0.03% (stronger) | 2.72% |
| Net charge-offs | -0.04% (stronger) | 0.01% |
| Return on assets | 2.81% (stronger) | 1.91% |
| Loans ÷ deposits | 97.1% | 50.9% (stronger) |
| Uninsured deposits | 24.3% | 1.9% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Pioneer Bank has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 4 and Augusta County Federal Credit Union on 3. 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.