# PIONEER
MOUNTAIN HOME, ID · NCUA charter 9247 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pioneer-9247

Who the members are: federal charter, community charter, organized 1954, low-income designated. 47,722 members of 981,309 potential (4.9% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *ordinary*. 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 | $738.6M |
| Members | 47,722 (-2.7% YoY) |
| Full-time staff | 174 |
| Net worth | $73.8M |
| Net worth ratio | 10.0% (p43 of band) |
| ROA (annualized) | 0.93% (p69 of band) |
| Total delinquency | 0.99% (p77 of band) |
| Net charge-offs (annualized) | 0.65% (p71 of band) |
| Loans / shares | 75% (p34 of band) |
| Cash / assets | 6.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.11% (p27 of band) |
| Operating expense / assets | 3.99% (p69 of band) |
| Vehicles % of loans | 37% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 111% (p53 of band) |
| Vehicle delinquency | 0.84% (p68 of band) |
| Vehicle NCO | 1.42% (p72 of band) |
| Repossessed % of vehicle book | 0.49% (p96 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 28% |
| Average share balance | $5,710 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.0M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $17,596 |
| Loans granted, annualized | $90.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.0M outstanding purchased (5.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.9% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | thin capital, net worth falling |  |
| 2016-12 | 3 |  | net worth falling |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 3 |  | thin capital |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 3 | net worth falling |  |
| 2018-03 | 2 |  | net worth falling |
| 2018-06 | 4 | members leaving, loans>95% of shares |  |
| 2018-09 | 5 | net worth falling |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 3 |  | loans>95% of shares, net worth falling |
| 2019-06 | 2 |  | members leaving |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 2 |  | delinquency rising |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | thin capital, net worth falling |  |
| 2021-06 | 2 |  | thin capital, net worth falling |
| 2021-09 | 3 | thin capital |  |
| 2021-12 | 4 | net worth falling |  |
| 2022-03 | 3 |  | net worth falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 6 | delinquency rising, members leaving, leaning on borrowings |  |
| 2022-12 | 4 |  | auto monoline, leaning on borrowings |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 5 | net worth falling, delinquency rising |  |
| 2023-09 | 3 |  | members leaving, net worth falling |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | delinquency 2x band |  |
| 2024-06 | 5 | repo signal, assets shrinking | thin capital |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 3 |  | delinquency rising, delinquency 2x band |
| 2025-06 | 2 | delinquency 2x band | repo signal, assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | repo signal |  |
| 2026-03 | 2 |  | delinquency 2x band |

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

- 2026-07-16 [New principal takes helm at Pioneer Elementary as Murray retires - Idaho State Journal](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQQW9rdlhKR3lFaDBqMGhmcXZfSkpiQU1sTWQ3ajdrVldRRmJlU1JDTUNQel83MHlkeUQxeldhU2VFamtzdVU5MEc3M1lpVDcwRDFSQWhZWGR3TDRIbmE5T0ZiRzBzOVlwUWtUOW9WOEtYUmdmbEFVM0ppZVNtUlN5S2tiZ1p5Q0VrTTgyOFRSMDNOd3VrSFpfOXU0VWlxUy12NFVBUF90YnJTY3NUWWI2amxiR1U4TVJkNUlCNUowSUc4VjRTNXJMQUJGMER4T1Bpd3JzM2poakZqdlBYVkViN1BJTlBiTTFWenNjdEhtY0Y?oc=5) · Idaho State Journal
- 2025-11-21 [Mountain Home leaders issue apology to $2M donor after councilmember's criticism - Idaho News 6](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQR3g2ZjJwbEZlWE9CQ0NXUDM4SWxpZV83bUhic0pnVExnM0dLazF5eTQxZkFQRXVva3J4S2F1STQ2U0U4ZlliUjY2M1ZmaFFQM0g5b1pxUjNUMDNIRE9mLWVDdlBpSGdldDN6aDhnaERUelprMkxJUEg0S3Q3dThRbE5PUFd4ZnZmWTAtUThibGhYREdWamZVMHVTZkZrb2M3TmtlT280dlllRE9MRS1GYlV2NDZ1RnEyUFpJX2cwcGlRZTBSTmpPTHQ1RG9PdXhZcGU2REl3dkZJdDVpdWtOQ2lNZEVWSHM?oc=5) · Idaho News 6
- 2023-09-01 [Best Credit Unions to Work For with $200M to $500M of assets - americanbanker.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWXFzUjQyU2xFbS1iV3NtVDlqRmJRNHRvbWtqZUR3dkpZSWpvSmJyd2FxOHl0VkcxUy1tNjAxMXg1UTF4NG1tY3ZxdF92MG5tRWVzVjlxVEE0Vlc1YjVZLW1kTEphczR2b2FJd0NlQnNmc2hjOGNnSkVZV3ZLQ0pyV1NnWlhVV2lXS2QxdzZpV0VpV1NDamJBcVR3S0NXVmJqUl9BN2FZOTBITWc?oc=5) · americanbanker.com
- 2025-11-10 [Boise’s Christmas Wish Returns to Help Local Families - 107.9 LITE FM](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5wYU8wTmdpbnhlU2J0YmdOdm92TEs1dS1rNU0xMWR1S1FHRHM2SXh1Z0lKTUlVdVZOUlRzWXN1X1FnMnZKcGxnbTZ0RVREeHhHNmhCeElfRnBEa3NjYnVjaXpEYUpWdw?oc=5) · 107.9 LITE FM
- 2026-01-14 [Mountain Home breaks ground on new Pioneer Depot and Plaza at Railroad Park - Idaho News 6](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNUW1HTWUybVpoNmpYR3c2LV9HSXFpVjVoUEtFUjcwT3Rxd2tVWTkzQWQyam04X0V5QjZGSFhrS2ctejJDbTBYVzVuQktxcEVNSEp4TUNBWFZWdVpwOXFsWTJ1MlBILVNpajczMTZ2UEtBUjVYWkt0bTliVlJocXpkYW1uVXltOGZoVUYtMGxtdlE5RG1FcVlkZG0tNlZwS3hyNzJaZ2wzbUFIVEUwXzBteHZaaUEwMjg5TmdZcV82ams5WVNhTThtUzB4TG9PQXh3bWY5QmoxUlpWWEozT1UzMnBHRQ?oc=5) · Idaho News 6
- 2026-06-16 [Payfinia Selected for Circuit Accelerator Program to Pioneer Next-Generation Embedded Payment Services for Credit Unions - Business Wire](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQREhCbF9JejZvQ3pYU3NQeVpIM1l2MFdwRWxmZFM3X3dnUXJ6cnJtV0NxSXZqa2tOTUNic1A5YktOV3FvMlBoc2l0OE5mMENtQjc5UUZLdXRJeWFOOGNDS3M1MlY0YjIzWTVzNURBV0NselJxcHUwb3JFaExwNFpqd0V4VGh0Y1pFbDRCV29ZcmhSVHpLN2t5a2FBNTZCQXhlSms1dko5TXhkUy1vNUxBb1lCZHEzbjVPdVFHRGc5dHpKVGRNc2NfR2s5UkFxOGh3ajFrd3hLdVBNeUREUEt3aVkta2hkTXZYeWdTY1Fxdl9MemhCYU1jak1RQVpiT3ZZLW93elV4WW4?oc=5) · Business Wire
- 2019-12-21 [Colin Booth "Coly" McCauley Jr. Obituary Dec 21, 2019 - Wood River Chapel](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBlQ2dRcjlUeVU4YXlJRlpQbUNBN0U5VXZnSHdyRnVlZ2V1amtBbzNWSkh5ZXlCSDc1QnI5MXZLdElvaWJwNW8xcTRxTVE1RTBaU3RkSE9Ja25QY0g0bFRXTVEybTE0bWdj?oc=5) · Wood River Chapel
- 2020-10-30 ['Facelift’ project brings electric reader board to Gooding County Fairgrounds - KMVT](https://news.google.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?oc=5) · KMVT

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9247 (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/31.json (key "9247", 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=9247
- 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