Side-by-side · Q2 2026 data
Pioneer Community Bank, Inc. vs Raleigh County Federal Credit Union
Credit union
Raleigh County Federal Credit Union
Beckley, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Pioneer Community Bank, Inc. | Raleigh County Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 86 (stronger) | 76 |
| Loan quality | 90 (stronger) | 89 |
| Earnings | 51 (stronger) | 44 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 75th | 62nd |
| Total assets | $191.1M | $21.6M |
| Deposits / shares | $160.2M | $18.7M |
| Capital ratio | 13.58% (stronger) | 12.57% |
| Problem loans | 0.29% (stronger) | 0.34% |
| Net charge-offs | 0.02% (stronger) | 0.73% |
| Return on assets | 0.78% (stronger) | 0.59% |
| Loans ÷ deposits | 87.1% | 56.8% (stronger) |
| Uninsured deposits | 11.6% | 1.3% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Pioneer Community Bank, Inc. leads on 4 and Raleigh County Federal Credit Union on 2. 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.