BlastPoint's Credit Union Scorecard

PREMIER AMERICA

Charter #68428 · CA

Mid-Market 3B-5B
76 CUs in 3B-5B nationally 8 in CA
View Mid-Market leaderboard →

PREMIER AMERICA has 3 strengths but faces 16 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 47.5% in tier
  • + Average Member Relationship (AMR): Top 1.3% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 3.4% in tier
  • - Deposit Outflow: Bottom 5.6% in tier
  • - Wealth Migration Risk: Bottom 8.3% in tier
  • - Shrinking Wallet Share: Bottom 11.5% in tier
  • - Capital Constraint: Bottom 33.3% in tier
  • - Liquidity Strain: Bottom 97.6% in tier
  • - ROA 0.98% below tier average
  • - Efficiency ratio 27.13% above tier (higher cost structure)
  • - Delinquency rate 0.26% above tier average
  • - Total Members: Bottom 3.9% in tier
  • - Members Per Employee (MPE): Bottom 3.9% in tier
  • - First Mortgage Concentration (%): Bottom 5.3% in tier
  • - Deposit Growth Rate: Bottom 6.6% in tier
  • - AMR Growth Rate: Bottom 6.6% in tier
  • - Net Interest Margin (NIM): Bottom 7.9% in tier
  • - Asset Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 116,748
+4.0% YoY+0.4% QoQ
 -113.6K 230,353
-2.9% YoY
 60,320
+5.7% YoY
 33,374
+5.7% YoY
 Bottom 2.6% in tier
Assets $3.3B
-4.1% YoY-1.6% QoQ
 $-682.9M $3.9B
+0.3% YoY
 $1.3B
+6.2% YoY
 $561.6M
+9.7% YoY
 Bottom 13.2% in tier
Loans $2.6B
-2.5% YoY-2.5% QoQ
 $-287.6M $2.9B
-0.2% YoY
 $856.7M
+6.3% YoY
 $397.0M
+8.8% YoY
 29%
Deposits $2.9B
-4.6% YoY-0.9% QoQ
 $-413.8M $3.3B
-0.3% YoY
 $1.1B
+7.1% YoY
 $477.3M
+9.7% YoY
 28%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -0.3%
-0.3% YoY-0.2% QoQ
 -1.0% 0.7%
+16.8% YoY
 0.5%
+14.3% YoY
 0.7%
+15.9% YoY
 Bottom 1.3% in tier
NIM 2.3%
+18.8% YoY+2.6% QoQ
 -0.9% 3.1%
+9.8% YoY
 3.3%
+7.0% YoY
 3.8%
+5.1% YoY
 Bottom 6.6% in tier
Efficiency Ratio 98.5%
-11.1% YoY+0.4% QoQ
 +27.1% 71.4%
-1.4% YoY
 80.7%
-1.8% YoY
 79.7%
-3.3% YoY
 Top 2.6% in tier
Delinquency Rate 1.1%
-17.8% YoY-1.8% QoQ
 +0.3 0.9%
+5.8% YoY
 0.7%
-40.0% YoY
 1.3%
-2.1% YoY
 79%
Loan To Share 91.4%
+2.3% YoY-1.6% QoQ
 +2.5% 88.9%
-0.2% YoY
 68.6%
-1.3% YoY
 67.4%
-1.7% YoY
 50%
AMR $47,492
-7.4% YoY-2.0% QoQ
 +$18K $29,682
+1.5% YoY
 $28,728
+2.4% YoY
 $19,687
+2.0% YoY
 Top 2.6% in tier
CD Concentration 30.7%
-23.4% YoY-5.9% QoQ
 +1.7% 29.0% 21.7% 19.8% 58%
Indirect Auto % 3.5%
-16.9% YoY-2.6% QoQ
 -14.8% 18.3% 9.2% 7.8% 22%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#68 of 142 • Top 47.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.05%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Indirect Auto %: 3.50%
(Tier: 18.31%, National: 7.78%)
better than tier avg
142 of 378 Mid-Market CUs have this signature | 609 nationally
→ No prior data (142 CUs now) | New qualifier

Concerns (6)

Efficiency Drag

risk
#4 of 90 • Bottom 3.4% in tier

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

Why This Signature
Efficiency Ratio: 98.53%
(Tier: 73.53%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.00% points
(Tier: 0.12% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 4.05%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
90 of 378 Mid-Market CUs have this signature | 633 nationally
↓ Shrinking -36 CUs YoY | Rank improving

Deposit Outflow

decline
#2 of 19 • Bottom 5.6% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -4.64%
(Tier: 6.71%, National: 13.79%)
worse than tier avg
Member Growth (YoY): 4.05%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
19 of 378 Mid-Market CUs have this signature | 91 nationally
→ No prior data (19 CUs now) | New qualifier

Wealth Migration Risk

decline
#2 of 13 • Bottom 8.3% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $47.5K
(Tier: $29.5K, National: $19.7K)
but better than tier avg
AMR Growth (YoY): -7.36%
(Tier: 3.31%, National: 4.00%)
worse than tier avg
13 of 378 Mid-Market CUs have this signature | 34 nationally
→ No prior data (13 CUs now) | New qualifier

Shrinking Wallet Share

decline
#10 of 79 • Bottom 11.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -7.36%
(Tier: 3.31%, National: 4.00%)
worse than tier avg
79 of 378 Mid-Market CUs have this signature | 303 nationally
↓ Shrinking -33 CUs YoY | Rank improving

Capital Constraint

risk
#3 of 7 • Bottom 33.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 91.39%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Deposit Growth (YoY): -4.64%
(Tier: 6.71%, National: 13.79%)
worse than tier avg
Net Worth Ratio: 9.93%
(Tier: 11.27%, National: 14.49%)
worse than tier avg
7 of 378 Mid-Market CUs have this signature | 32 nationally
→ No prior data (7 CUs now) | New qualifier

Liquidity Strain

risk
#162 of 166 • Bottom 97.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.39%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): -2.45%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 CUs YoY | New qualifier

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 76 peers in tier

Top Strengths (4 metrics)

2
Average Member Relationship (AMR)
engagement
Value: $47,492
Peer Median: -
#2 of 76 Top 1.3% in 3B-5B tier
3
Loan-to-Member Ratio (LMR)
engagement
Value: $22,678
Peer Median: -
#3 of 76 Top 2.6% in 3B-5B tier
11
Indirect Auto Concentration (%)
balance_sheet
Value: 3.50%
Peer Median: -
#11 of 76 Top 13.2% in 3B-5B tier
17
Net Charge-Off Rate
risk
Value: 0.27%
Peer Median: -
#17 of 76 Top 21.1% in 3B-5B tier

Top Weaknesses (12 metrics)

75
Return on Assets (ROA)
profitability
Value: -0.26%
Peer Median: -
#75 of 76 Bottom 2.6% in 3B-5B tier
75
Efficiency Ratio
profitability
Value: 98.53%
Peer Median: -
#75 of 76 Bottom 2.6% in 3B-5B tier
74
Total Members
engagement
Value: 116,748
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Members Per Employee (MPE)
engagement
Value: 265.336
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
73
First Mortgage Concentration (%)
balance_sheet
Value: 65.72%
Peer Median: -
#73 of 76 Bottom 5.3% in 3B-5B tier
72
Deposit Growth Rate
growth
Value: -4.64%
Peer Median: -
#72 of 76 Bottom 6.6% in 3B-5B tier
72
AMR Growth Rate
growth
Value: -7.36%
Peer Median: -
#72 of 76 Bottom 6.6% in 3B-5B tier
71
Net Interest Margin (NIM)
profitability
Value: 2.27%
Peer Median: -
#71 of 76 Bottom 7.9% in 3B-5B tier
70
Asset Growth Rate
growth
Value: -4.06%
Peer Median: -
#70 of 76 Bottom 9.2% in 3B-5B tier
69
Loan Growth Rate
growth
Value: -2.45%
Peer Median: -
#69 of 76 Bottom 10.5% in 3B-5B tier
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