Credit union · NCUA insured
Pioneer Valley Credit Union
A $164.9M credit union headquartered in Springfield, MA, with 11,570 members and 4 branches in Massachusetts. Best rates: CDs 4.25% and savings 1.00% APY.
Pioneer Valley Credit Union Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#7 of 22 in Springfield, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Pioneer Valley Credit Union
- Headquarters
- 189 Brookdale Dr, Ste 2, Springfield, MA 01104
- NCUA charter
- 24443
Branches
4 branches in Massachusetts
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Massachusetts
4 branches
- Baystate Branch2 Medical Center Dr, Springfield, MA 01107Directions
- East Springfield Branch246 Brookdale Dr, Springfield, MA 01104Directions
- Sixteen Acres Branch1954 Wilbraham Rd, Springfield, MA 01129Directions
- Savage Arms Branch100 Springdale Rd, Westfield, MA 01085Directions
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 | 11.62% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.39% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.68% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $88 | $76 | — |
- CapitalNet worth ratio11.62%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.39%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$88Peers’ 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 Valley Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.