Abstract: This study proposes a stability assessment method for embankments reinforced by CFG piles that accounts for regional variations in pile failure modes. Through integrated physical modeling and 3D numerical simulations, the research systematically reveals the load-settlement evolution characteristics and pile failure mechanisms in composite foundations. The key innovation lies in introducing parameter β(maximum axial force to bending moment ratio)as a zoning criterion, enabling the division of pile failure modes into four distinct regions: compression-dominated, compression-flexure, flexure-shear, and tension-flexure zones. A horizontal net thrust calculation model was developed based on zonal characteristics, establishing a stability evaluation framework that integrates failure mode partitioning and thrust distribution. Comparative validation against BS8006, equivalent shear strength method, and strength reduction method demonstrated the method's enhanced accuracy. Case 1 yielded a safety factor of 2.42(0.5% deviation from numerical simulation), while critical Case 2 showed 1.02 versus simulated 1.08(5.6% variance). The proposed method significantly improves horizontal resistance estimation through failure mode zoning and exhibits superior engineering applicability in safety threshold determination compared to conventional approaches. The findings advance current design practices by incorporating spatial variations of pile failure mechanisms into stability analysis, providing a more physically realistic assessment framework for pile-reinforced embankments.