BlastPoint's Credit Union Scorecard
PREMIER FINANCIAL
Charter #66760 · WI
PREMIER FINANCIAL has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Net Interest Margin 0.30% above tier average
- + Share Certificate Concentration (%): Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Delinquency rate 0.47% above tier average
- - Members Per Employee (MPE): Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,374
-1.6% YoY-0.4% QoQ
|
-6.8K |
15,145
-2.5% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$130.3M
+1.4% YoY+1.5% QoQ
|
$-101.4M |
$231.7M
+0.8% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$79.2M
+2.8% YoY+0.1% QoQ
|
$-64.9M |
$144.1M
+0.2% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$111.7M
-0.8% YoY+1.1% QoQ
|
$-89.5M |
$201.1M
+0.4% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
1.1%
-12.5% YoY-23.8% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
73% |
| NIM |
3.9%
+0.8% YoY-2.5% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
77.7%
+4.7% YoY+7.7% QoQ
|
-0.3% |
78.0%
-1.7% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
1.2%
+54.7% YoY-3.3% QoQ
|
+0.5 |
0.8%
+7.1% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
70.9%
+3.6% YoY-1.0% QoQ
|
+0.5% |
70.4%
-0.4% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$22,798
+2.3% YoY+1.0% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
49% |
| CD Concentration |
2.4%
-5.5% YoY-2.0% QoQ
|
-21.9% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
8.3%
+3.9% YoY+1.3% QoQ
|
-5.5% | 13.8% | 8.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)