PREMIER AMERICA

Charter #68428 | CA

3B-5B (76 CUs) Mid-Market (380 CUs)
10 3B-5B in CA

PREMIER AMERICA has 3 strengths but faces 17 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 15.3% in tier
  • + Average Member Relationship (AMR): Top 1.3% in tier
  • + Loan-to-Member Ratio (LMR): Top 1.3% in tier

Key Concerns

Areas that may need attention

  • - Wealth Migration Risk: Bottom 0.0% in tier
  • - Deposit Outflow: Bottom 0.8% in tier
  • - Efficiency Drag: Bottom 2.1% in tier
  • - Shrinking Wallet Share: Bottom 3.6% in tier
  • - Credit Quality Pressure: Bottom 11.6% in tier
  • - Capital Constraint: Bottom 18.2% in tier
  • - Liquidity Strain: Bottom 32.1% in tier
  • - ROA 1.01% below tier average
  • - Efficiency ratio 26.84% above tier (higher cost structure)
  • - Delinquency rate 0.31% above tier average
  • - Members Per Employee (MPE): Bottom 3.9% in tier
  • - Total Members: Bottom 3.9% in tier
  • - AMR Growth Rate: Bottom 5.3% in tier
  • - First Mortgage Concentration (%): Bottom 5.3% in tier
  • - Deposit Growth Rate: Bottom 6.6% in tier
  • - Net Interest Margin (NIM): Bottom 7.9% in tier
  • - Loan Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 116,338
+4.4% YoY+2.1% QoQ
 -122.1K 238,465
+0.6% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 2.6% in tier
Assets $3.3B
-4.0% YoY-0.3% QoQ
 $-661.0M $4.0B
-0.1% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 14.5% in tier
Loans $2.7B
-2.2% YoY-1.4% QoQ
 $-302.3M $3.0B
+3.3% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 29th in tier
Deposits $2.9B
-4.9% YoY-0.9% QoQ
 $-409.5M $3.3B
+1.1% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 23.7% in tier
ROA -0.3%
-13.6% YoY-25.8% QoQ
 -1.0% 0.7%
+5.3% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 3.9% in tier
NIM 2.2%
+18.3% YoY+7.0% QoQ
 -1.0% 3.2%
+13.7% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 6.6% in tier
Efficiency Ratio 98.1%
-11.2% YoY-6.3% QoQ
 +26.8% 71.3%
-0.6% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 2.6% in tier
Delinquency Rate 1.2%
+15.0% YoY-3.1% QoQ
 +0.3 0.8%
+15.9% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 18.4% in tier
Loan To Share 92.9%
+2.8% YoY-0.5% QoQ
 +2.1% 90.8%
+2.0% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 50th in tier
AMR $48,481
-7.7% YoY-3.2% QoQ
 +$19K $29,088
+0.1% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 2.6% in tier
CD Concentration 32.6%
-21.3% YoY-3.5% QoQ
 +3.7% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 68th in tier
Indirect Auto % 3.6%
-22.3% YoY-2.3% QoQ
 -15.2% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 22.4% in tier

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#61 of 138 • Top 15.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.41%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Concerns (7)

Wealth Migration Risk

decline
#1 of 10 • Bottom 0.0% in tier

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

Why This Signature
Avg Member Relationship: $48.5K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -7.69%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
Total Assets: $3.31B
(Tier: $3.97B, National: $547.69M)
worse than tier avg
10 of 380 Mid-Market CUs have this signature | 39 nationally
↓ Shrinking -11 CUs YoY | New qualifier

Deposit Outflow

decline
#2 of 25 • Bottom 0.8% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -4.88%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $3.31B
(Tier: $3.97B, National: $547.69M)
worse than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Efficiency Drag

risk
#8 of 96 • Bottom 2.1% in tier

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

Why This Signature
Efficiency Ratio: 98.10%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.04% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 4.41%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#12 of 83 • Bottom 3.6% in tier

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

Why This Signature
AMR Growth (YoY): -7.69%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Credit Quality Pressure

risk
#90 of 217 • Bottom 11.6% 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: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Capital Constraint

risk
#7 of 9 • Bottom 18.2% 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: 92.92%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -4.88%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 9.87%
(Tier: 11.30%, National: 14.51%)
worse than tier avg
9 of 380 Mid-Market CUs have this signature | 29 nationally
↓ Shrinking -9 CUs YoY | New qualifier

Liquidity Strain

risk
#169 of 183 • Bottom 32.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 92.92%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -2.22%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY

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: $48,481
Peer Avg: $29,088
#2 of 76 Top 1.3% in 3B-5B tier
2
Loan-to-Member Ratio (LMR)
engagement
Value: $23,351
Peer Avg: $13,761
#2 of 76 Top 1.3% in 3B-5B tier
12
Indirect Auto Concentration (%)
balance_sheet
Value: 3.60%
Peer Avg: 20.57%
#12 of 76 Top 14.5% in 3B-5B tier
14
Net Charge-Off Rate
risk
Value: 0.24%
Peer Avg: 0.64%
#14 of 76 Top 17.1% in 3B-5B tier

Top Weaknesses (13 metrics)

75
Efficiency Ratio
profitability
Value: 98.10%
Peer Avg: 71.26%
#75 of 76 Bottom 2.6% in 3B-5B tier
74
Members Per Employee (MPE)
engagement
Value: 266.830
Peer Avg: 433.941
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Total Members
engagement
Value: 116,338
Peer Avg: 238,466
#74 of 76 Bottom 3.9% in 3B-5B tier
73
Return on Assets (ROA)
profitability
Value: -0.26%
Peer Avg: 0.75%
#73 of 76 Bottom 5.3% in 3B-5B tier
73
AMR Growth Rate
growth
Value: -7.69%
Peer Avg: 2.07%
#73 of 76 Bottom 5.3% in 3B-5B tier
73
First Mortgage Concentration (%)
balance_sheet
Value: 66.04%
Peer Avg: 34.35%
#73 of 76 Bottom 5.3% in 3B-5B tier
72
Deposit Growth Rate
growth
Value: -4.88%
Peer Avg: 8.84%
#72 of 76 Bottom 6.6% in 3B-5B tier
71
Net Interest Margin (NIM)
profitability
Value: 2.21%
Peer Avg: 3.20%
#71 of 76 Bottom 7.9% in 3B-5B tier
70
Loan Growth Rate
growth
Value: -2.22%
Peer Avg: 9.56%
#70 of 76 Bottom 9.2% in 3B-5B tier
69
Asset Growth Rate
growth
Value: -4.03%
Peer Avg: 7.42%
#69 of 76 Bottom 10.5% in 3B-5B tier