Pioneer Federal Credit Union (NCUA charter #9247) is based in Mountain Home, Idaho. Its Q2 2026 call report shows $744.0M in total assets and $672.4M in member shares and deposits and 16 offices.
Based on its Q2 2026 filing, Pioneer Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 26 credit unions headquartered in Idaho, it ranks 16th. Its strongest component is funding & liquidity (83/100; 77% loans-to-deposits, 6% uninsured), and its lowest is earnings (43/100; 0.58%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 6 points (54 → 60), mostly because the loan quality component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 52 |
| Q4 2024 | 51 |
| Q1 2025 | 61 |
| Q2 2025 | 54 |
| Q3 2025 | 56 |
| Q4 2025 | 53 |
| Q1 2026 | 64 |
| Q2 2026 | 60 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.34% |
| Q3 2024 | 9.64% |
| Q4 2024 | 9.60% |
| Q1 2025 | 9.72% |
| Q2 2025 | 9.62% |
| Q3 2025 | 9.72% |
| Q4 2025 | 9.82% |
| Q1 2026 | 9.99% |
| Q2 2026 | 9.98% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.72% |
| Q3 2024 | 1.67% |
| Q4 2024 | 1.59% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.51% |
| Q3 2025 | 1.50% |
| Q4 2025 | 1.74% |
| Q1 2026 | 0.99% |
| Q2 2026 | 1.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.93% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $744.0M | 9.98% | 1.08% | 0.58% | 76.9% |
| Q1 2026 | 64 | $738.6M | 9.99% | 0.99% | 0.93% | 75.0% |
| Q4 2025 | 53 | $734.5M | 9.82% | 1.74% | 0.55% | 77.2% |
| Q3 2025 | 56 | $736.1M | 9.72% | 1.50% | 0.64% | 78.3% |
| Q2 2025 | 54 | $727.7M | 9.62% | 1.51% | 0.53% | 80.7% |
| Q1 2025 | 61 | $712.4M | 9.72% | 0.97% | 0.66% | 78.5% |
| Q4 2024 | 51 | $708.9M | 9.60% | 1.59% | 0.35% | 80.3% |
| Q3 2024 | 52 | $707.8M | 9.64% | 1.67% | 0.49% | 78.3% |
| Q2 2024 | 50 | $718.0M | 9.34% | 1.72% | 0.41% | 78.4% |
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).
Similar-size credit unions in Idaho
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Freedom Northwest Credit UnionCredit union Kamiah, ID | 82 out of 100, Strong | $693.1M | 13.4% | 0.61% | vs |
| Frontier Credit UnionCredit union Idaho Falls, ID | 58 out of 100, Moderate | $821.6M | 8.6% | 0.60% | vs |
| Beehive Federal Credit UnionCredit union Rexburg, ID | 55 out of 100, Moderate | $647.7M | 8.9% | 1.53% | vs |
| Trugrocer Federal Credit UnionCredit union Boise, ID | 73 out of 100, Strong | $320.1M | 16.0% | 0.81% | vs |
| Lookout Federal Credit UnionCredit union Pocatello, ID | 49 out of 100, Below average | $313.7M | 7.6% | 1.36% | vs |
| Advantage Plus Federal Credit UnionCredit union Pocatello, ID | 64 out of 100, Moderate | $292.4M | 9.7% | 0.36% | vs |
Deposit insurance
Is my money safe at Pioneer Federal Credit Union?
Yes. Pioneer Federal Credit Union is a federally insured credit union (NCUA charter #9247). 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 6.3% of shares and deposits ($42.6M) 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 9.98%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
16 locations
Branches
Pioneer Federal Credit Union lists 16 offices in 11 cities. Most locations:
- Mountain Home, ID (4)
- Boise, ID (3)
- Caldwell, ID (1)
- Glenns Ferry, ID (1)
- Gooding, ID (1)
- Hailey, ID (1)
- Jerome, ID (1)
- Meridian, ID (1)
- Middleton, ID (1)
- Nampa, ID (1)
- Twin Falls, ID (1)
HMDA 2025
Mortgage lending
In 2025, Pioneer Federal Credit Union reported 605 home-loan applications under HMDA (LEI 549300OP314BNT2VUU11): 424 originated ($77,650,000 total), 43 denied, and 128 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.0%, 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 Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9247
- RSSD ID
- 124287
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- 250 W 3rd S, Mountain Home, ID 83647
- Employees
- 178
Quick answers
Pioneer Federal Credit Union: common questions
Is Pioneer Federal Credit Union NCUA insured?
Yes. Pioneer Federal Credit Union is a federally insured credit union (NCUA charter #9247). 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 Federal Credit Union's TellerScore?
60 out of 100 (Moderate), 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 Federal Credit Union have?
16 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Mountain Home
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |
| JPMorgan Chase Bank, National AssociationBank Columbus, OH | 61 out of 100, Moderate | $4.1T | 7.5% | 0.78% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |