Side-by-side · Q2 2026 data
Pioneer Bank, National Association vs Troy Federal Credit Union
Metric by metric
| Measure | Pioneer Bank, National Association | Troy Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 80 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 84 | 89 (stronger) |
| Earnings | 50 (stronger) | 25 |
| Funding & liquidity | 41 | 89 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 27th | 65th |
| Total assets | $2.3B | $3.7M |
| Deposits / shares | $2.0B | $3.1M |
| Capital ratio | 9.97% | 15.79% (stronger) |
| Problem loans | 0.48% | 0.33% (stronger) |
| Net charge-offs | 0.17% | 0.00% (stronger) |
| Return on assets | 0.74% (stronger) | 0.13% |
| Loans ÷ deposits | 93.1% | 71.7% (stronger) |
| Uninsured deposits | 39.0% | 0.0% (stronger) |
| Offices | 22 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.6% | — |
Troy Federal Credit Union has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank, National Association leads on 1 and Troy Federal Credit Union on 6. 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.