Pioneer CU (ID)

Pioneer CU (ID) is headquartered in Mountain Home and is the 4^th largest credit union in the state of Idaho. It is also the 626^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 108 employees and 31,763 members. Pioneer CU (ID)'s savings rates are 35% higher than the national average, and it has a 3-star health rating.

Pioneer CU (ID) Checking Account Rates

Pioneer CU (ID) Savings Account Rates

Pioneer CU (ID) Money Market Rates

Pioneer CU (ID) CD Rates

Data for Q4 2011

Institution Statistics PIONEER NCUA # 9247 BankRate Report View Year Chartered 1954 Employees 108 Primary Regulator Assets and Liabilities Assets $304.05 million Loans $162.91 million Deposits $278.15 million Equity Capital $23.55 million Loan Loss Allowance $2.76 million Unbacked Noncurrent Loans $5.61 million Real Estate Owned $1.12 million Historic Data - December 2010 Assets $305.25 million Equity Capital $18.74 million Loan Loss Allowance $2.88 million Unbacked Noncurrent Loans $4.98 million Real Estate Owned $681,000 Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 0.73% Return on Equity 9.41% Interest Income $12.69 million Non-Interest Income $3.85 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Pioneer CU (ID) had $6.73 million in non-current loans and owned real-estate with $26.31 million in equity and loan loss allowances on hand to cover it. This gives Pioneer CU (ID) a Texas Ratio of 25.59% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pioneer CU (ID) held steady from 26.16% as of December 31, 2010 to 25.59% as of December 31, 2011, resulting in a positive change of 2.19%.This indicates that the balance sheet and financial strength for Pioneer CU (ID) has held steady in recent periods. Deposit Growth In the past year, Pioneer CU (ID) has decreased its total deposits by -$6.69 million, resulting in -2.35% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pioneer CU (ID) has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pioneer CU (ID) has $304.04 million in assets with $26.31 million in equity, resulting in a capitalization level of 8.65%, which is average.

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