TellerScore

Pioneer Valley Federal Credit Union is a federal credit union headquartered in Springfield, Massachusetts, in business for about 103 years. At the end of Q2 2026 it reported $167.2M in total assets and $144.3M in member shares and deposits, with 1 office.

Pioneer Valley Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 63rd. Problem-loan coverage contributes the most (95/100, 2.6%); earnings contributes the least (47/100, 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.62%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings47/100
Return on assets (annualized): 0.66%
Funding & liquidity72/100
Loans ÷ shares: 88.3% · 9.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.59%

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 (70 → 71).

TellerScore
666971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202469
Q1 202570
Q2 202570
Q3 202568
Q4 202569
Q1 202671
Q2 202671
Net worth ratio
7.00%9.34%11.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.32%
Q3 202411.68%
Q4 202411.56%
Q1 202511.42%
Q2 202511.52%
Q3 202511.55%
Q4 202511.63%
Q1 202611.61%
Q2 202611.62%
Delinquent loans (60+ days)
0.20%0.35%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.49%
Q3 20240.42%
Q4 20240.21%
Q1 20250.20%
Q2 20250.24%
Q3 20250.50%
Q4 20250.42%
Q1 20260.38%
Q2 20260.39%
Return on assets
0.34%0.50%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.36%
Q4 20240.34%
Q1 20250.46%
Q2 20250.41%
Q3 20250.47%
Q4 20250.49%
Q1 20260.66%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$167.2M11.62%0.39%0.66%88.3%
Q1 202671$164.9M11.61%0.38%0.66%87.0%
Q4 202569$160.4M11.63%0.42%0.49%91.0%
Q3 202568$159.6M11.55%0.50%0.47%91.8%
Q2 202570$157.8M11.52%0.24%0.41%92.6%
Q1 202570$158.0M11.42%0.20%0.46%93.1%
Q4 202469$154.5M11.56%0.21%0.34%98.7%
Q3 202467$151.9M11.68%0.42%0.36%98.1%
Q2 202466$155.7M11.32%0.49%0.37%96.7%

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 ratio11.62%
53rd
Problem loans0.39%
74th
Net charge-offs0.62%
25th
Return on assets0.66%
43rd
Loans to deposits88.3%
20th
Uninsured deposits9.0%
22nd
Loan-loss reserves0.00%
50th
Texas ratio2.6%
67th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
New Bedford Credit UnionCredit union New Bedford, MA71 out of 100, Strong$168.7M11.0%0.44%vs
Homefield Credit UnionCredit union North Grafton, MA59 out of 100, Moderate$170.4M10.1%0.69%vs
Naveo Credit UnionCredit union Somerville, MA62 out of 100, Moderate$176.3M8.6%0.39%vs
Alden Credit UnionCredit union Chicopee, MA52 out of 100, Below average$185.4M9.2%1.14%vs
Metrowest Community Federal Credit UnionCredit union Framingham, MA68 out of 100, Moderate$147.0M8.7%0.21%vs
River Works Credit UnionCredit union Lynn, MA57 out of 100, Moderate$192.9M9.2%0.82%vs

Deposit insurance

Is my money safe at Pioneer Valley Federal Credit Union?

Yes. Pioneer Valley Federal Credit Union is a federally insured credit union (NCUA charter #24443). 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 9.0% of shares and deposits ($13.0M) 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 11.62%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Pioneer Valley Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pioneer Valley Federal Credit Union reported 88 home-loan applications under HMDA (LEI 5493001YS08XHF42M037): 50 originated ($8,010,000 total), 26 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.3%, 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 Valley Federal Credit Union
Type
Federal credit union
NCUA charter #
24443
RSSD ID
426691
Primary regulator
NCUA
Established
1923
Headquarters
246 Brookdale Dr, Springfield, MA 01104
Employees
32

Quick answers

Pioneer Valley Federal Credit Union: common questions

Is Pioneer Valley Federal Credit Union NCUA insured?

Yes. Pioneer Valley Federal Credit Union is a federally insured credit union (NCUA charter #24443). 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 Valley Federal Credit Union's TellerScore?

71 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 Valley Federal Credit Union have?

1 office as of the latest NCUA data.