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208-587-3304
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 698th largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 115 employees and 32,266 members. Pioneer CU (ID) 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

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

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, 2013 Pioneer CU (ID) had $2.02 million in non-current loans and owned real-estate with $26.02 million in equity and loan loss allowances on hand to cover it. This gives Pioneer CU (ID) a Texas Ratio of 7.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Pioneer CU (ID) decreased slightly from 9.77% as of December 31, 2012 to 7.77% as of December 31, 2013, resulting in a positive change of 20.39%.This indicates that the balance sheet and financial strength for Pioneer CU (ID) has improved slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Pioneer CU (ID) has decreased its total deposits by -$19.73 million, resulting in -7.27% 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

GRADE:
C+

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 $288.84 million in assets with $26.02 million in equity, resulting in a capitalization level of 9.01%, which is average.

Institution Statistics

Overall
NCUA #9247
Year Chartered1954
Employees115
Primary Regulator
Assets and Liabilities
Assets$288.84 million
Loans$169.35 million
Deposits$251.66 million
Equity Capital$24.86 million
Loan Loss Allowance$1.16 million
Unbacked Noncurrent Loans$1.80 million
Real Estate Owned$222,000
Historic Data - December 2012
Assets$299.86 million
Equity Capital$26.30 million
Loan Loss Allowance$1.42 million
Unbacked Noncurrent Loans$1.80 million
Real Estate Owned$258,000
Profit Margin - Quarterly
Net Interest Margin3.73%
Return on Assets0.98%
Return on Equity11.44%
Interest Income$10.11 million
Rates

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Pioneer CU (ID) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.45%$100-IRA Savings
0.45%$100-Roth IRA Savings
0.45%$100-Coverdell Education IRA Savings
0.10%$300-Idaho Medical Savings
0.10%$100-Health Savings Account
0.05%$300-Regular Savings
0.05%$25-Student Savings
0.05%$300-V.I.P. Account

Pioneer CU (ID) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.45%$100k-Money Market Savings

Pioneer CU (ID) Checking Account Rates

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

Pioneer CU (ID) CD Rates

DetailsAPYMINMAXPRODUCT
1.30%$10k-60 Month CD
1.15%$10k-48 Month CD
1.15%$500-25 Month CD Special
1.10%$500-19 Month CD Special
1.05%$500-13 Month CD Special
0.95%$10k-36 Month CD
0.55%$10k-24 Month CD
0.50%$10k-18 Month CD
0.45%$10k-12 Month CD
0.45%$10k-24 Month Senior Term CD Special
0.40%$10k-18 Month Senior Term CD Special
0.35%$10k-12 Month Senior Term CD Special

Pioneer CU (ID) IRA Rates

DetailsAPYMINMAXPRODUCT
1.30%$500-60 Month IRA (Traditional,Roth,CESA)
1.15%$500-48 Month IRA (Traditional,Roth,CESA)
0.95%$500-36 Month IRA (Traditional,Roth,CESA)
0.55%$500-24 Month IRA (Traditional,Roth,CESA)
0.50%$500-18 Month IRA (Traditional,Roth,CESA)
0.45%$500-12 Month IRA (Traditional,Roth,CESA)
0.45%$500-Senior 24 Month IRA (Traditional,Roth)
0.40%$500-Senior 18 Month IRA (Traditional,Roth)
0.35%$500-Senior 12 Month IRA (Traditional,Roth)
Locations

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