Charleston, West Virginia · Peer group 5
Pioneer Appalachia Credit Union
Pioneer Appalachia Credit Union holds $245.5M in assets across 15,071 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1940. Charter number 3576, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $245.5M |
|---|---|
| Total loans | $135.7M |
| Total shares (deposits) | $217.9M |
| Net worth | $27.2M |
| Members | 15,071 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 8.7% | |
|---|---|---|
| Loans | 3.9% | around the 58th percentile of its peer group |
| Deposits | 8.5% | around the 88th percentile of its peer group |
| Members | -3.5% | around the 18th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 62.3% | around the 31st percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.1% | around the 45th percentile of its peer group |
| Return on assets | 0.40% | around the 29th percentile of its peer group |
| Delinquency ratio | 0.06% | lower than 97% of its peer group |
| Cash / assets | 19.8% | higher than 90% of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Pioneer Appalachia Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within West Virginia — the comparison set a peer ratio is measured against.
- Long Reach Credit Union
Middlebourne, WV
$189.2M · 10,913 members
- Star USA Credit Union
Charleston, WV
$158.0M · 13,708 members
- West Virginia Central Credit Union
Parkersburg, WV
$336.7M · 23,842 members
- West Virginia Credit Union
South Charlesto, WV
$143.0M · 7,168 members
- Peoples Credit Union
Nitro, WV
$131.3M · 10,760 members
- The United Credit Union
Morgantown, WV
$107.6M · 5,950 members
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