BlastPoint's Credit Union Scorecard
PREMIER AMERICA
Charter #68428 · CA
PREMIER AMERICA has 5 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 8.9% in tier
- + Organic Growth Engine: Top 8.9% in tier
- + Strong member growth: 9.5% YoY
- + Average Member Relationship (AMR): Top 5.2% in tier
- + Loan-to-Member Ratio (LMR): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.5% in tier
- - Credit Quality Pressure: Bottom 4.0% in tier
- - Wealth Migration Risk: Bottom 5.6% in tier
- - Flatlined Growth: Bottom 88.4% in tier
- - Shrinking Wallet Share: Bottom 98.4% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 41.29% above tier (higher cost structure)
- - Delinquency rate 0.96% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 11 that size in California.
- Shares and deposits +1.6% year over year ($3.00B in shares and deposits).
- Membership: 124,777 members, +9.5% vs a year ago.
- Delinquency rate 1.80%.
- Return on assets 0.63%.
- Efficiency ratio 110.74% vs a 69.45% peer average.
- Loan-to-share ratio 87.12% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
124,777
+9.5% YoY+6.3% QoQ
|
-91.8K |
216,545
-9.5% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 6.5% in tier |
| Assets |
$3.3B
-0.0% YoY+0.2% QoQ
|
$-582.6M |
$3.9B
-1.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
23% |
| Loans |
$2.6B
-5.2% YoY+0.1% QoQ
|
$-320.6M |
$2.9B
-1.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$3.0B
+1.6% YoY+2.1% QoQ
|
$-260.8M |
$3.3B
-2.6% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.6%
-276.2% YoY-411.3% QoQ
|
-0.3% |
0.9%
+25.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
2.3%
+13.2% YoY+2.7% QoQ
|
-0.9% |
3.2%
+3.8% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio |
110.7%
+5.8% YoY+2.0% QoQ
|
+41.3% |
69.5%
-2.3% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
1.8%
+50.6% YoY+49.7% QoQ
|
+1.0 |
0.8%
+5.5% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.5% in tier |
| Loan To Share |
87.1%
-6.7% YoY-2.0% QoQ
|
-3.1% |
90.2%
+0.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$44,936
-10.2% YoY-4.8% QoQ
|
+$14K |
$31,018
+6.9% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 6.5% in tier |
| CD Concentration |
28.6%
-15.5% YoY-2.2% QoQ
|
-0.5% | 29.1% | 22.2% | 20.0% | 48% |
| Indirect Auto % |
3.4%
-8.8% YoY+1.0% QoQ
|
-14.7% | 18.1% | 9.2% | 7.7% | 21% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.
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)