BlastPoint's Banking Scorecard
Pioneer Federal Savings and Loan Association
Micro
Specialty: Mortgage
MT
FDIC cert 29517
Designations: ✓ Community bank ✓ Mutual
Deer Lodge, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Pioneer Federal Savings and Loan Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.24% below tier
- - Efficiency Ratio 38.38% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.0M
+6.8% YoY
+0.9% QoQ
|
-$97.5M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$89.8M
+4.0% YoY
+3.3% QoQ
|
-$49.4M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$92.9M
+9.0% YoY
+1.4% QoQ
|
-$90.8M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
-0.15%
-136.6% YoY
+16.8% QoQ
|
-1.24% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
3.36%
+9.4% YoY
-0.3% QoQ
|
-0.50% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
106.11%
+25.5% YoY
-1.1% QoQ
|
+38.38% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
96.65%
-4.6% YoY
+1.8% QoQ
|
+22.12% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.05%
+18.2% YoY
-5.5% QoQ
|
-13.34% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.22%
-50.5% YoY
+39.2% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.15%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
106.11%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Total Loans
Current: $89.8M · Tier avg: $139.2M
29
29th pctile
Total Assets
Current: $120.0M · Tier avg: $217.5M
28
28th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.85%
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
26
26th pctile
Total Deposits
Current: $92.9M · Tier avg: $183.7M
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.65% · Tier avg: 74.53%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.05% · Tier avg: 22.39%
5
5th pctile
Return on Assets
Current: -0.15% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 106.11% · Tier avg: 67.73%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 106.11% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.15% · Tier avg: 1.08%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.05% · Tier avg: 22.39%
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.65% · Tier avg: 74.53%
26
26th pctile
Total Deposits
Current: $92.9M · Tier avg: $183.7M
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
28
28th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.85%
29
29th pctile
Total Assets
Current: $120.0M · Tier avg: $217.5M
39
39th pctile
Total Loans
Current: $89.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%