Pioneer Mutual Federal Credit Union is a federal credit union headquartered in Sugar Land, Texas, in business for about 45 years. At the end of Q2 2026 it reported $363.1M in total assets and $318.7M in member shares and deposits, with 4 offices.
Pioneer Mutual Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 71% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 145th. Problem-loan coverage contributes the most (97/100, 1.6%); earnings contributes the least (53/100, 0.83%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 76 |
| Q4 2024 | 80 |
| Q1 2025 | 77 |
| Q2 2025 | 76 |
| Q3 2025 | 75 |
| Q4 2025 | 79 |
| Q1 2026 | 77 |
| Q2 2026 | 77 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.34% |
| Q3 2024 | 11.31% |
| Q4 2024 | 12.18% |
| Q1 2025 | 11.92% |
| Q2 2025 | 11.68% |
| Q3 2025 | 11.70% |
| Q4 2025 | 12.28% |
| Q1 2026 | 11.98% |
| Q2 2026 | 11.77% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.48% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.42% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.32% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 1.06% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.13% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.05% |
| Q1 2026 | 0.97% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $363.1M | 11.77% | 0.32% | 0.83% | 68.0% |
| Q1 2026 | 77 | $351.1M | 11.98% | 0.51% | 0.97% | 68.1% |
| Q4 2025 | 79 | $335.6M | 12.28% | 0.42% | 1.05% | 71.2% |
| Q3 2025 | 75 | $346.8M | 11.70% | 0.71% | 1.10% | 68.9% |
| Q2 2025 | 76 | $338.0M | 11.68% | 0.56% | 1.04% | 70.2% |
| Q1 2025 | 77 | $324.1M | 11.92% | 0.48% | 1.13% | 74.5% |
| Q4 2024 | 80 | $309.7M | 12.18% | 0.34% | 1.24% | 77.4% |
| Q3 2024 | 76 | $322.2M | 11.31% | 0.33% | 1.06% | 73.9% |
| Q2 2024 | 77 | $285.7M | 12.34% | 0.29% | 0.97% | 86.8% |
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mobility Credit UnionCredit union Irving, TX | 48 out of 100, Below average | $357.6M | 8.0% | 0.97% | vs |
| Gulf Credit UnionCredit union Groves, TX | 68 out of 100, Moderate | $348.6M | 10.0% | 0.45% | vs |
| First Basin Credit UnionCredit union Odessa, TX | 75 out of 100, Strong | $343.2M | 11.5% | 0.29% | vs |
| Cy-Fair Federal Credit UnionCredit union Houston, TX | 65 out of 100, Moderate | $383.5M | 9.5% | 1.26% | vs |
| Fort Worth City Credit UnionCredit union Fort Worth, TX | 93 out of 100, Very strong | $336.8M | 13.1% | 0.03% | vs |
| Synergy Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $334.2M | 15.8% | 0.29% | vs |
Deposit insurance
Is my money safe at Pioneer Mutual Federal Credit Union?
Yes. Pioneer Mutual Federal Credit Union is a federally insured credit union (NCUA charter #24818). 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 12.8% of shares and deposits ($40.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 11.77%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Pioneer Mutual Federal Credit Union lists 4 offices in 3 cities. Most locations:
- Sugar Land, TX (2)
- Austin, TX (1)
- Spring, TX (1)
Identity & history
Profile
- Legal name
- Pioneer Mutual Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24818
- RSSD ID
- 601975
- Primary regulator
- NCUA
- Established
- 1981
- Headquarters
- 1521 Lake Pointe Pkwy, Sugar Land, TX 77478
- Employees
- 57
Quick answers
Pioneer Mutual Federal Credit Union: common questions
Is Pioneer Mutual Federal Credit Union NCUA insured?
Yes. Pioneer Mutual Federal Credit Union is a federally insured credit union (NCUA charter #24818). 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 Mutual Federal Credit Union's TellerScore?
77 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 Mutual Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sugar Land
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Schlumberger Employees Credit UnionCredit union Sugar Land, TX | 94 out of 100, Very strong | $935.8M | 25.3% | 0.57% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |
| Kbr Heritage Federal Credit UnionCredit union Houston, TX | 90 out of 100, Very strong | $76.4M | 22.6% | 0.39% | vs |
| P.I.E. Credit UnionCredit union Houston, TX | 88 out of 100, Very strong | $11.8M | 23.9% | 0.71% | vs |