TellerScore

Headquartered in Charleston, West Virginia, Pioneer Appalachia Federal Credit Union is a federal credit union with $245.2M in total assets and $216.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1940.

Pioneer Appalachia Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 1,341 credit unions with $100 million – $1 billion. Among 74 credit unions headquartered in West Virginia, it ranks 35th. Problem-loan coverage contributes the most (99/100, 0.4%); earnings contributes the least (41/100, 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.26%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.07%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity94/100
Loans ÷ shares: 65.9% · 7.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.39%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).

TellerScore
667277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202470
Q1 202574
Q2 202575
Q3 202577
Q4 202576
Q1 202675
Q2 202676
Net worth ratio
7.00%9.27%11.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.98%
Q3 202411.50%
Q4 202411.54%
Q1 202511.30%
Q2 202511.08%
Q3 202511.39%
Q4 202511.29%
Q1 202611.09%
Q2 202611.26%
Delinquent loans (60+ days)
0.06%0.11%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.13%
Q3 20240.16%
Q4 20240.16%
Q1 20250.09%
Q2 20250.15%
Q3 20250.11%
Q4 20250.16%
Q1 20260.06%
Q2 20260.07%
Return on assets
-0.90%-0.11%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.90%
Q3 2024-0.42%
Q4 2024-0.16%
Q1 20250.32%
Q2 20250.50%
Q3 20250.67%
Q4 20250.68%
Q1 20260.40%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$245.2M11.26%0.07%0.52%65.9%
Q1 202675$245.5M11.09%0.06%0.40%62.3%
Q4 202576$238.8M11.29%0.16%0.68%64.1%
Q3 202577$232.8M11.39%0.11%0.67%64.1%
Q2 202575$234.0M11.08%0.15%0.50%62.3%
Q1 202574$225.9M11.30%0.09%0.32%65.0%
Q4 202470$219.8M11.54%0.16%-0.16%67.2%
Q3 202467$217.3M11.50%0.16%-0.42%69.6%
Q2 202466$224.8M10.98%0.13%-0.90%67.9%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.26%
48th
Problem loans0.07%
97th
Net charge-offs0.26%
63rd
Return on assets0.52%
32nd
Loans to deposits65.9%
69th
Uninsured deposits7.3%
36th
Loan-loss reserves0.00%
50th
Texas ratio0.4%
96th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Long Reach Federal Credit UnionCredit union Middlebourne, WV65 out of 100, Moderate$193.2M9.9%1.08%vs
Star USA Federal Credit UnionCredit union Charleston, WV62 out of 100, Moderate$153.0M10.6%0.98%vs
West Virginia Central Federal Credit UnionCredit union Parkersburg, WV76 out of 100, Strong$341.3M13.2%0.87%vs
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs
Peoples Federal Credit UnionCredit union Nitro, WV68 out of 100, Moderate$130.6M16.5%2.19%vs
The United Federal Credit UnionCredit union Morgantown, WV57 out of 100, Moderate$109.2M27.6%3.21%vs

Deposit insurance

Is my money safe at Pioneer Appalachia Federal Credit Union?

Yes. Pioneer Appalachia Federal Credit Union is a federally insured credit union (NCUA charter #3576). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.3% of shares and deposits ($15.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.26%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Pioneer Appalachia Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pioneer Appalachia Federal Credit Union reported 98 home-loan applications under HMDA (LEI 5493003ST36V2G6YFH54): 81 originated ($14,135,000 total), 9 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Pioneer Appalachia Federal Credit Union
Type
Federal credit union
NCUA charter #
3576
RSSD ID
437772
Primary regulator
NCUA
Established
1940
Headquarters
1316 Kanawha Blvd E, Charleston, WV 25301
Employees
37

Quick answers

Pioneer Appalachia Federal Credit Union: common questions

Is Pioneer Appalachia Federal Credit Union NCUA insured?

Yes. Pioneer Appalachia Federal Credit Union is a federally insured credit union (NCUA charter #3576). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Pioneer Appalachia Federal Credit Union's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Pioneer Appalachia Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Charleston

InstitutionScoreAssetsCapitalProblem loansCompare
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%vs
Camc Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$80.3M28.3%0.01%vs
Wv National Guard Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$51.6M14.8%0.00%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs