PREMIER MEMBERS
Charter #62574 | CO
3B-5B
(76 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
3 3B-5B in CO
PREMIER MEMBERS has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + Strong member growth: 163.3% YoY
- + Member Growth Rate: Top 0.0% in tier
- + Asset Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.0% in tier
- + Loan Growth Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 0.3% in tier
- - Growth-at-Risk: Bottom 2.9% in tier
- - Indirect Auto Dependency: Bottom 11.4% in tier
- - Credit Quality Pressure: Bottom 12.0% in tier
- - Efficiency Drag: Bottom 27.0% in tier
- - ROA 0.83% below tier average
- - Efficiency ratio 11.78% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.3% in tier
- - Net Worth Ratio: Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
204,543
+163.3% YoY+159.6% QoQ
|
-33.9K |
238,465
+0.6% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
36th in tier |
| Assets |
$4.0B
+127.0% YoY+122.2% QoQ
|
+$1.3M |
$4.0B
-0.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
50th in tier |
| Loans |
$2.9B
+123.9% YoY+120.1% QoQ
|
$-93.4M |
$3.0B
+3.3% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
43rd in tier |
| Deposits |
$3.3B
+130.6% YoY+118.8% QoQ
|
$-16.9M |
$3.3B
+1.1% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
51st in tier |
| ROA |
-0.1%
-138.3% YoY-189.5% QoQ
|
-0.8% |
0.7%
+5.3% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.6% in tier |
| NIM |
3.9%
+41.6% YoY+44.8% QoQ
|
+0.7% |
3.2%
+13.7% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Top 15.8% in tier |
| Efficiency Ratio |
83.0%
+1.3% YoY-3.8% QoQ
|
+11.8% |
71.3%
-0.6% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Top 11.8% in tier |
| Delinquency Rate |
0.5%
+39.8% YoY+15.4% QoQ
|
-0.3 |
0.8%
+15.9% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
38th in tier |
| Loan To Share |
88.2%
-2.9% YoY+0.6% QoQ
|
-2.6% |
90.8%
+2.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
36th in tier |
| AMR |
$30,516
-13.6% YoY-15.5% QoQ
|
+$1K |
$29,088
+0.1% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
66th in tier |
| CD Concentration |
28.3%
-12.4% YoY+3.0% QoQ
|
-0.6% |
29.0%
+0.8% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
49th in tier |
| Indirect Auto % |
26.1%
+35.0% YoY+33.9% QoQ
|
+7.3% |
18.8%
-2.8% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
69th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Shrinking Wallet Share
decline
#2 of 83 • Bottom 0.3% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-13.64%
(Tier:
3.04%, National:
4.19%)
83 of 380 Mid-Market CUs have this signature
| 346 nationally
↓ Shrinking
-55 CUs YoY
|
New qualifier
Growth-at-Risk
risk
#17 of 161 • Bottom 2.9% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
123.91%
(Tier:
6.14%, National:
36.38%)
Delinquency Change (YoY):
0.15% points
(Tier:
0.07% points, National:
0.07% points)
161 of 380 Mid-Market CUs have this signature
| 646 nationally
↓ Shrinking
-30 CUs YoY
|
New qualifier
Indirect Auto Dependency
risk
#71 of 202 • Bottom 11.4% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
127.03%
(Tier:
5.36%, National:
3.04%)
Indirect Auto %:
26.13%
(Tier:
18.80%, National:
7.90%)
Member Growth (YoY):
163.30%
(Tier:
3.18%, National:
9.37%)
202 of 380 Mid-Market CUs have this signature
| 768 nationally
↓ Shrinking
-7 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#93 of 217 • Bottom 12.0% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.15% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
New qualifier
Efficiency Drag
risk
#90 of 96 • Bottom 27.0% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
83.05%
(Tier:
73.45%, National:
79.10%)
ROA Change (YoY):
-0.32% points
(Tier:
0.07% points, National:
0.05% points)
Member Growth (YoY):
163.30%
(Tier:
3.18%, National:
9.37%)
96 of 380 Mid-Market CUs have this signature
| 624 nationally
↓ Shrinking
-32 CUs YoY
|
Rank worsening
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Member Growth Rate
growth
Value:
163.30%
Peer Avg: 7.02%
#1 of 76
Top 0.0% in 3B-5B tier
1
Asset Growth Rate
growth
Value:
127.03%
Peer Avg: 7.42%
#1 of 76
Top 0.0% in 3B-5B tier
1
Deposit Growth Rate
growth
Value:
130.56%
Peer Avg: 8.84%
#1 of 76
Top 0.0% in 3B-5B tier
2
Loan Growth Rate
growth
Value:
123.91%
Peer Avg: 9.56%
#2 of 76
Top 1.3% in 3B-5B tier
12
Net Interest Margin (NIM)
profitability
Value:
3.86%
Peer Avg: 3.20%
#12 of 76
Top 14.5% in 3B-5B tier
14
Fee Income Per Member
profitability
Value:
$253.51
Peer Avg: $191.96
#14 of 76
Top 17.1% in 3B-5B tier
Top Weaknesses (5 metrics)
76
AMR Growth Rate
growth
Value:
-13.64%
Peer Avg: 2.07%
#76 of 76
Bottom 1.3% in 3B-5B tier
73
Net Worth Ratio
risk
Value:
8.07%
Peer Avg: 10.75%
#73 of 76
Bottom 5.3% in 3B-5B tier
71
Return on Assets (ROA)
profitability
Value:
-0.09%
Peer Avg: 0.75%
#71 of 76
Bottom 7.9% in 3B-5B tier
68
Efficiency Ratio
profitability
Value:
83.05%
Peer Avg: 71.26%
#68 of 76
Bottom 11.8% in 3B-5B tier
58
Members Per Employee (MPE)
engagement
Value:
324.157
Peer Avg: 433.941
#58 of 76
Bottom 25.0% in 3B-5B tier