Pioneer Federal Credit Union Mountain Home, Idaho
Pioneer Federal Credit Union is a federal credit union headquartered in Mountain Home, ID, established in 1954 (NCUA charter 9247), and it is regulated and insured by the NCUA. At Q2 2026 it reported 47,456 members and total assets of $744.0M (up 2.2% from Q2 2025), the 6th largest of 26 credit unions headquartered in Idaho. Its net worth ratio was 9.98% at Q2 2026, in the well capitalized band.
Also written as Pioneer FCU
BankRegReports is independent of Pioneer Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 9247
- Headquarters
- Mountain Home, ID
- Established
- 1954
- Total assets, Q2 2026
- $744.0M
- Assets vs Q2 2025
- +2.2%
- Members, Q2 2026
- 47,456
- Net worth ratio, Q2 2026
- 9.98%
- Latest call report
- Q2 2026, NCUA 5300 · Pioneer Federal Credit Union call report
- Asset rank in state
- 6th of 26 in Idaho
- Routing number
- 324173383
- Branches
- 16
It has 1,685 fewer members than on June 30, 2025 (-3.4%). Its net worth ratio was up 0.36 percentage points from 9.62% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $265.8M of $516.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.08% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.98% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Idaho
Credit unions merged into Pioneer Federal Credit Union
Desert Sage Federal Credit Union (2021) · Cornerstone Credit Union (2016)
Frequently asked about Pioneer Federal Credit Union
How big is Pioneer Federal Credit Union?
At Q2 2026 it reported total assets of $744.0M and 47,456 members.
Where is Pioneer Federal Credit Union headquartered?
It is headquartered in Mountain Home, ID, United States.
When was Pioneer Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is Pioneer Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9247): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Pioneer Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Pioneer Federal Credit Union well capitalized?
Its net worth ratio was 9.98% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Pioneer Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.08% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Pioneer Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 76.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mountain Home, ID 83647
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 9247
- RSSD ID
- 124287
- Members
- 47,456
- Potential members
- 981,309
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.98% | 11.43% | 28th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.24% | 0.81% | 14th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 2.43% | 7.02% | 15th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.20% | 3.70% | 21st bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 84.35% | 76.55% | 23rd bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.37% | 1.24% | 40th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.08% | 0.68% | 27th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.58% | 4.92% | 28th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 76.88% | 75.66% | 53rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$744.0M total assets against $727.7M; $672.4M total shares and deposits against $647.9M; $516.9M total loans against $522.6M.
$74.3M net worth against $70.0M.
9.98% net worth ratio against 9.62%.
76.88% loan-to-share ratio against 80.66%.
1.08% delinquency ratio against 1.51%.
0.24% return on assets against 0.42%; 2.43% return on equity against 4.35%.
3.20% net interest margin against 3.09%.
47,456 members against 49,141.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.98% | 0.24% | 1.08% | 76.88% |
| March 31, 2026 | 9.99% | 0.93% | 0.99% | 75.01% |
| December 31, 2025 | 9.82% | 0.28% | 1.74% | 77.23% |
| September 30, 2025 | 9.72% | 0.87% | 1.50% | 78.26% |
| June 30, 2025 | 9.62% | 0.42% | 1.51% | 80.66% |
| March 31, 2025 | 9.72% | 0.66% | 0.97% | 78.55% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.