PREMIER

Charter #64271 | IA

100M-500M (1077 CUs) Micro
17 100M-500M in IA

PREMIER has 7 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.3% in tier
  • + Wallet Share Momentum: Top 0.7% in tier
  • + AMR Growth Rate: Top 1.5% in tier
  • + Loan-to-Share Ratio: Top 2.4% in tier
  • + Total Loans: Top 4.7% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.4% in tier
  • + Average Member Relationship (AMR): Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 1.6% in tier
  • - Membership Headwinds: Bottom 1.8% in tier
  • - Liquidity Strain: Bottom 5.8% in tier
  • - Growth-at-Risk: Bottom 14.5% in tier
  • - Credit Quality Pressure: Bottom 16.6% in tier
  • - Efficiency Drag: Bottom 24.6% in tier
  • - ROA 0.23% below tier average
  • - Efficiency ratio 5.48% above tier (higher cost structure)
  • - Delinquency rate 0.28% above tier average
  • - Member decline: -11.2% YoY
  • - Member Growth Rate: Bottom 2.8% in tier
  • - Share Certificate Concentration (%): Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 17,629
-11.2% YoY-1.1% QoQ
 +2.0K 15,628
-3.4% YoY
 24,664
+0.3% YoY
 33,089
+6.1% YoY
 67th in tier
Assets $355.2M
+7.9% YoY+3.2% QoQ
 +$123.9M $231.3M
-0.0% YoY
 $515.3M
+7.1% YoY
 $547.7M
+7.8% YoY
 Top 17.2% in tier
Loans $313.1M
+6.7% YoY+2.8% QoQ
 +$165.3M $147.8M
-1.4% YoY
 $418.6M
+8.3% YoY
 $388.7M
+8.6% YoY
 Top 4.8% in tier
Deposits $312.4M
+8.2% YoY+3.3% QoQ
 +$112.1M $200.3M
-0.0% YoY
 $421.4M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 16.0% in tier
ROA 0.6%
+28.0% YoY+19.8% QoQ
 -0.2% 0.8%
+15.5% YoY
 1.0%
+0.3% YoY
 0.7%
+273.4% YoY
 37th in tier
NIM 3.1%
+19.9% YoY+3.8% QoQ
 -0.5% 3.6%
+6.9% YoY
 3.8%
+3.9% YoY
 3.7%
+5.0% YoY
 Bottom 23.2% in tier
Efficiency Ratio 82.8%
+2.6% YoY-0.9% QoQ
 +5.5% 77.3%
-3.0% YoY
 72.0%
+0.4% YoY
 79.1%
-3.3% YoY
 70th in tier
Delinquency Rate 1.1%
+15.5% YoY-27.5% QoQ
 +0.3 0.9%
+7.6% YoY
 1.2%
-5.8% YoY
 1.2%
-0.9% YoY
 Top 24.0% in tier
Loan To Share 100.2%
-1.4% YoY-0.4% QoQ
 +27.5% 72.7%
-1.5% YoY
 77.1%
-1.2% YoY
 68.0%
-1.7% YoY
 Top 2.5% in tier
AMR $35,478
+20.9% YoY+4.1% QoQ
 +$11K $24,363
+2.9% YoY
 $20,702
+4.3% YoY
 $19,418
+1.3% YoY
 Top 8.5% in tier
CD Concentration 40.8%
-5.5% YoY-1.2% QoQ
 +16.4% 24.4%
+4.2% YoY
 22.0%
+1.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 5.4%
+122.9% YoY+31.7% QoQ
 -8.5% 14.0%
-5.8% YoY
 9.3%
-2.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#9 of 1006 • Top 0.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 20.94%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#21 of 1006 • Top 0.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 20.94%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (6)

Stagnation Risk

risk
#27 of 550 • Bottom 1.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.56%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -11.18%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $35.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 40.78%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#30 of 550 • Bottom 1.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -11.18%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk
#46 of 258 • Bottom 5.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 100.22%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.69%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY

Growth-at-Risk

risk
#218 of 446 • Bottom 14.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.69%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#412 of 736 • Bottom 16.6% 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: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Efficiency Drag

risk
#434 of 521 • Bottom 24.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.76%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.12% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -11.18%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

17
AMR Growth Rate
growth
Value: 20.94%
Peer Avg: 3.64%
#17 of 1077 Top 1.5% in 100M-500M tier
27
Loan-to-Share Ratio
balance_sheet
Value: 100.22%
Peer Avg: 72.70%
#27 of 1077 Top 2.4% in 100M-500M tier
52
Total Loans
balance_sheet
Value: $313.07M
Peer Avg: $147.80M
#52 of 1077 Top 4.7% in 100M-500M tier
59
Loan-to-Member Ratio (LMR)
engagement
Value: $17,759
Peer Avg: $10,245
#59 of 1077 Top 5.4% in 100M-500M tier
92
Average Member Relationship (AMR)
engagement
Value: $35,478
Peer Avg: $24,363
#92 of 1077 Top 8.4% in 100M-500M tier
172
Total Deposits
balance_sheet
Value: $312.37M
Peer Avg: $200.29M
#172 of 1077 Top 15.9% in 100M-500M tier
185
Total Assets
balance_sheet
Value: $355.23M
Peer Avg: $231.30M
#185 of 1077 Top 17.1% in 100M-500M tier
211
Deposit Growth Rate
growth
Value: 8.16%
Peer Avg: 4.69%
#211 of 1077 Top 19.5% in 100M-500M tier
217
Asset Growth Rate
growth
Value: 7.92%
Peer Avg: 4.70%
#217 of 1077 Top 20.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1048
Member Growth Rate
growth
Value: -11.18%
Peer Avg: 0.72%
#1048 of 1077 Bottom 2.8% in 100M-500M tier
1007
Share Certificate Concentration (%)
balance_sheet
Value: 40.78%
Peer Avg: 23.61%
#1007 of 1077 Bottom 6.6% in 100M-500M tier
947
Net Worth Ratio
risk
Value: 8.93%
Peer Avg: 12.15%
#947 of 1077 Bottom 12.2% in 100M-500M tier
827
Net Interest Margin (NIM)
profitability
Value: 3.10%
Peer Avg: 3.58%
#827 of 1077 Bottom 23.3% in 100M-500M tier
819
Total Delinquency Rate (60+ days)
risk
Value: 1.14%
Peer Avg: 0.86%
#819 of 1077 Bottom 24.0% in 100M-500M tier