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250 W 3rd S
Mountain Home, ID 83647

Pioneer CU (ID) is headquartered in Mountain Home and is the 5th largest credit union in the state of Idaho. It is also the 685th largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 120 employees and 34,003 members. Pioneer CU (ID)'s money market rates are 25% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

--Persons who live, worship, work in, or attend school in, and businesses and other legal entities located in Ada, Blaine, Camas, Canyon, and Elmore County, Idaho are eligible. --Members of the Mountain Home Air Force Base Retirement Association who are receiving services from the Association and who live within the designated area posteed on bank site. --Persons who live, regularly work, worship, perform volunteer services or participate in associations headquartered in Gooding, Jerome and Twin Falls Counties. --All employees of retail, wholesale, manufacturing, cooperative, industrial, and distribution establishments that are located in Adams, Gem, Owyhee, Payette, and Washington Counties, Idaho; and spouses of persons who died while within the field of membership of Pioneer Federal Credit Union. - See Details

Related Posts

Pioneer Federal Credit Union Adds A 5th Competitive Rate CD Special - 8/5/2014

Pioneer Federal Credit Union (ID) is offering five CD Specials (also available as IRAs) with competitive rates. Length of terms range from 13-months to 59-months.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pioneer CU (ID) had $2 million in non-current loans and owned real-estate with $28.12 million in equity and loan loss allowances on hand to cover it. This gives Pioneer CU (ID) a Texas Ratio of 7.13% which is excellent. 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) decreased slightly from 9.80% as of March 31, 2013 to 7.13% as of March 31, 2014, resulting in a positive change of 27.28%.This indicates that the balance sheet and financial strength for Pioneer CU (ID) has improved slightly in recent periods.

Deposit Growth


In the past year, Pioneer CU (ID) has decreased its total deposits by -$26.21 million, resulting in -9.57% 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.



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 $306.47 million in assets with $28.12 million in equity, resulting in a capitalization level of 9.18%, which is average.

Institution Statistics

NCUA #9247
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$306.47 million
Loans$197.59 million
Deposits$247.61 million
Equity Capital$26.93 million
Loan Loss Allowance$1.19 million
Unbacked Noncurrent Loans$1.82 million
Real Estate Owned$185,000
Historic Data - March 2013
Assets$303.59 million
Equity Capital$26.25 million
Loan Loss Allowance$1.30 million
Unbacked Noncurrent Loans$1.82 million
Real Estate Owned$258,000
Profit Margin - Quarterly
Net Interest Margin0.99%
Return on Assets1.42%
Return on Equity16.11%
Interest Income$2.72 million

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Pioneer CU (ID) Savings Account Rates

0.55%$100-IRA Savings
0.55%$100-Roth IRA Savings
0.55%$100-Coverdell Education IRA Savings
0.55%$100-Roth Conversion IRA Savings
0.20%$300-Idaho Medical Savings
0.20%$100-Health Savings Account
0.15%$25-Student Savings
0.05%$300-Regular Savings
0.05%$300-V.I.P. Account

Pioneer CU (ID) Money Market Rates

0.55%$100k-Money Market Savings

Pioneer CU (ID) Checking Account Rates

0.05%$500-Select Checking
0.05%$500-Prestige Checking

Pioneer CU (ID) CD Rates

2.05%$500-59 Month CD Special
1.75%$500-37 Month CD Special
1.55%$500-25 Month CD Special
1.45%$10k-60 Month CD
1.30%$10k-48 Month CD
1.30%$500-19 Month CD Special
1.15%$500-13 Month CD Special
1.05%$10k-36 Month CD
0.80%$10k-24 Month CD
0.70%$10k-18 Month CD
0.70%$10k-24 Month Senior Term CD Special
0.60%$10k-12 Month CD
0.60%$10k-18 Month Senior Term CD Special
0.50%$10k-12 Month Senior Term CD Special

Pioneer CU (ID) IRA Rates

2.05%$500-59 Month IRA Special
1.75%$500-37 Month IRA Special
1.55%$500-25 Month IRA Special
1.45%$500-60 Month IRA
1.30%$500-48 Month IRA
1.30%$500-19 Month IRA Special
1.15%$500-13 Month IRA Special
1.05%$500-36 Month IRA
0.80%$500-24 Month IRA
0.70%$500-18 Month IRA
0.70%$500-Senior 24 Month IRA
0.60%$500-12 Month IRA
0.60%$500-Senior 18 Month IRA
0.50%$500-Senior 12 Month IRA

Pioneer CU (ID) has 13 locations. Click to view all Pioneer CU (ID) locations.