BlastPoint's Credit Union Scorecard
PREMIER AMERICA
Charter #68428 · CA
PREMIER AMERICA has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 32.9% in tier
- + Average Member Relationship (AMR): Top 2.6% in tier
- + Loan-to-Member Ratio (LMR): Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.5% in tier
- - Wealth Migration Risk: Bottom 4.4% in tier
- - Credit Quality Pressure: Bottom 18.7% in tier
- - Capital Constraint: Bottom 42.8% in tier
- - Deposit Outflow: Bottom 96.3% in tier
- - Shrinking Wallet Share: Bottom 96.6% in tier
- - ROA 0.93% below tier average
- - Efficiency ratio 37.24% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
117,427
+3.6% YoY+0.6% QoQ
|
-103.0K |
220,435
-7.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 3.8% in tier |
| Assets |
$3.3B
-2.4% YoY+1.7% QoQ
|
$-602.5M |
$3.9B
-1.5% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$2.6B
-4.8% YoY-1.5% QoQ
|
$-285.7M |
$2.9B
-1.1% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
27% |
| Deposits |
$2.9B
-3.2% YoY+1.3% QoQ
|
$-363.6M |
$3.3B
-2.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
-0.2%
-58.8% YoY-23.6% QoQ
|
-0.9% |
0.7%
+10.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.6% in tier |
| NIM |
2.3%
+18.2% YoY+0.4% QoQ
|
-0.9% |
3.2%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.4% in tier |
| Efficiency Ratio |
108.5%
-0.6% YoY+10.1% QoQ
|
+37.2% |
71.3%
-2.6% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
1.2%
+19.0% YoY+5.8% QoQ
|
+0.5 |
0.7%
+9.2% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
85% |
| Loan To Share |
88.9%
-1.6% YoY-2.8% QoQ
|
+0.9% |
88.0%
+0.9% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$47,193
-7.3% YoY-0.6% QoQ
|
+$17K |
$30,672
+5.5% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 3.8% in tier |
| CD Concentration |
29.2%
-19.8% YoY-4.9% QoQ
|
+0.4% | 28.8% | 21.6% | 19.8% | 53% |
| Indirect Auto % |
3.3%
-12.9% YoY-5.1% QoQ
|
-14.7% | 18.1% | 9.0% | 7.7% | 22% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (6)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
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)