Credit union · NCUA insured
Pioneer Mutual Federal Credit Union
A $351.1M credit union headquartered in Sugar Land, TX, with 11,951 members and 4 branches in Texas. Best rates: savings 3.03% APY.
Pioneer Mutual Federal Credit Union Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#48 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Pioneer Mutual Federal Credit Union
- Headquarters
- 1521 Lake Pointe Pkwy, Sugar Land, TX 77478
- NCUA charter
- 24818
Branches
4 branches in Texas
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Texas
4 branches
Houston area · 3
- Pioneer Mutual Federal CUMain office1521 Lake Pointe Pkwy, Sugar Land, TX 77478Directions
- Pioneer Mutual FCU8643 W Rayford Rd, Spring, TX 77389Directions
- Pioneer Mutual Federal CR1116 Soldiers Field Dr, Sugar Land, TX 77479Directions
Austin area · 1
- Pioneer Mutual Federal CU11721 Ranch Road 620 N, Austin, TX 78750Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.77% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.32% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.86% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio11.77%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.32%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.86%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Pioneer Mutual Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.