# PIONEER APPALACHIA
Charleston, WV · NCUA charter 3576 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pioneer-appalachia-3576

Who the members are: federal charter, multiple common bond, organized 1940, low-income designated. 15,071 members of 3,100,000 potential (0.5% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $245.5M |
| Members | 15,071 (-3.5% YoY) |
| Full-time staff | 37 |
| Net worth | $27.2M |
| Net worth ratio | 11.1% (p49 of band) |
| ROA (annualized) | 0.40% (p28 of band) |
| Total delinquency | 0.06% (p3 of band) |
| Net charge-offs (annualized) | 0.43% (p53 of band) |
| Loans / shares | 62% (p26 of band) |
| Cash / assets | 21.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.96% (p16 of band) |
| Operating expense / assets | 3.44% (p39 of band) |
| Vehicles % of loans | 38% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.04% (p5 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 19% |
| Average share balance | $7,431 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,805 |
| Loans granted, annualized | $47.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, leaning on borrowings |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | net worth falling |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | delinquency 2x band, delinquency rising, assets shrinking | leaning on borrowings |
| 2019-03 | 4 |  |  |
| 2019-06 | 2 |  | loans>95% of shares, delinquency 2x band |
| 2019-09 | 3 | loan book shrinking |  |
| 2019-12 | 2 |  | delinquency rising |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 | net worth falling | assets shrinking, loan book shrinking |
| 2020-09 | 1 | loans>95% of shares | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | margin squeeze | loans>95% of shares |
| 2021-06 | 1 | net worth falling | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 2 | members leaving, leaning on borrowings |  |
| 2023-03 | 1 |  | leaning on borrowings |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 3 | loan book shrinking |  |
| 2024-03 | 2 | losing money | assets shrinking, loan book shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | assets shrinking |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | losing money, assets shrinking |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-10-23 [Pioneer Appalachia Federal Credit Union hosts ribbon cutting ceremony in Morgantown - wboy.com](https://news.google.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?oc=5) · wboy.com
- 2023-09-01 [Best Credit Unions to Work For with $200M to $500M of assets - American Banker](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWXFzUjQyU2xFbS1iV3NtVDlqRmJRNHRvbWtqZUR3dkpZSWpvSmJyd2FxOHl0VkcxUy1tNjAxMXg1UTF4NG1tY3ZxdF92MG5tRWVzVjlxVEE0Vlc1YjVZLW1kTEphczR2b2FJd0NlQnNmc2hjOGNnSkVZV3ZLQ0pyV1NnWlhVV2lXS2QxdzZpV0VpV1NDamJBcVR3S0NXVmJqUl9BN2FZOTBITWc?oc=5) · American Banker
- 2026-05-19 [Black Bears Announce Road Closure for Banana Ball Weekend - mlbdraftleague.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOMVROUy16YVJZWWVrWDJ3SnY1VVYyak5ZUGQwRnQ1ZEtjTkwyS21FV2NlcUhhSlUzTmFpQUplMmc4SGV3SjlycUFwWlJnVGhVdThMeGhEdllIUXU5TWlMMS00NHNQVkhadm8yaGpqR0Z0S2FXWmNSa1B4TzNnWk1EN25ZS3Bfdjg0?oc=5) · mlbdraftleague.com
- 2024-03-27 [Candidate profile: Jacob Losh, House of Delegates District 20 - Charleston Gazette-Mail](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNY0Rja0tZSzhpOFVDeWNIREJiNWVsSmNUa1hLSlVpQXRyY3Qwemd3OC1tYjliTzFOSVUtWWlzOUZxdjVhQmx0TFRPTVdSbkNRSHVoNlQxckRxMUU1SHA3RFZBNU8wc1ktREN4SDNYdWJuTnQzVFNRUDBsRndGYWVUd1NoemdsTzBYa1ozTFZLMWRIcHUzUndPMmdHNlZ5aEsxa2JkaGpyMzF5MEFKV3djdjROejNhd2U0bm1UZEhCcnhaWlRKZnRSMWE0cm9kckZOdDNRbHVLVkdqdDlxS1E4UlRXSQ?oc=5) · Charleston Gazette-Mail
- 2024-08-28 [Best Credit Unions to Work For with $200M to $500M of assets in 2024 - American Banker](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbEtld0dKUUJzT0ZJbmV0MmRVVVNzTFAweHZiUXhkTnctWmtmNU8tUHJwSnFSNWp3MGZUdXNRV1ZzLWI4SDZIbmEtOFU3ZkNjUi16UUtRSy10ODQ1QkszYzAwTHZlNFRQQVV1ZkdRdnhIVHpoaUdWUTZFdUd6Sm1aM1U5NERkZ3Y2b1lwLVpWOXBJZ1NudVpSbWZubVl3RVEzZTNkaXJtZlN0UjZxZUhZTDlhY19Ydw?oc=5) · American Banker
- 2026-06-11 [Event Information for Banana Ball Weekend at Kendrick Family Ballpark - mlbdraftleague.com](https://news.google.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?oc=5) · mlbdraftleague.com
- 2025-06-11 [Omer Hawkins Obituary (2025) - Elkview, WV - Charleston Gazette-Mail - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQTjdUVmtUOEo2UThSVEtsZDFabnZxZWxxQ1JETnZfUGx6RVo1QTRBaDI4dzZQTFROUVFnR0xLZ2FtRTJwQ0E2aVNfZXduU3p0TzBqRzZ2N1dJcDNzZElYbmJZRUpfSXhreWluNDM1LVdqSXhTT3BoR0Zva3BNTURtbkpJMjN5UUMyR1pVdzZVWW42cjA?oc=5) · legacy.com
- 2021-09-03 [The Best Credit Unions to Work For, under $500 million of assets, 2021 - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxON2lPQkZ4WUUzS1FfVE9HaVJ1TEVFNWVoNmVFLTE2WVktdnpRZGZLZlloVDBhYXRDcVdRWkJxczByRTFVam9zcXh6ZmQzYU9oNDNjWU1temktQUk3bEdpdzMzZENwNVFDaHNrdkJ5QzYyT3JnSEFmLW9yblZaR3JKZWFrcUVJc1lLNk0xYVc4SjlCbWlNcG8wemxLWGctWVNFM1VabzVDWmJkd2xkc0N0cUJ3a1VzdHc?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3576 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/56.json (key "3576", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=3576
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide