BlastPoint's Credit Union Scorecard
PREMIER ONE
Charter #68540 · CA
PREMIER ONE has 5 strengths but faces 5 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
- + Relationship Depth Leader: Top 0.4% in tier
- + Wallet Share Momentum: Top 0.4% in tier
- + AMR Growth Rate: Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 8.5% in tier
- + Average Member Relationship (AMR): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 99.5% in tier
- - Stagnation Risk: Bottom 99.5% in tier
- - ROA 0.42% below tier average
- - Member decline: -20.0% YoY
- - Member Growth Rate: Bottom 1.2% in tier
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in California.
- Shares and deposits +4.2% year over year ($556M in shares and deposits).
- Membership: 27,914 members, -20.0% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 0.40%.
- Efficiency ratio 76.59% vs a 76.56% peer average.
- Loan-to-share ratio 86.85% vs a 79.33% 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 |
27,914
-20.0% YoY+1.7% QoQ
|
-10.0K |
37,897
-5.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 14.5% in tier |
| Assets |
$655.7M
+3.8% YoY-0.1% QoQ
|
+$33.3M |
$622.4M
+0.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$483.3M
+9.0% YoY+1.9% QoQ
|
+$54.8M |
$428.5M
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$556.5M
+4.2% YoY-0.3% QoQ
|
+$16.7M |
$539.8M
+0.9% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.4%
+43.2% YoY+18.3% QoQ
|
-0.4% |
0.8%
+39.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
3.4%
+10.7% YoY+2.4% QoQ
|
-0.1% |
3.5%
+5.0% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
39% |
| Efficiency Ratio |
76.6%
-9.0% YoY-0.2% QoQ
|
+0.0% |
76.6%
-3.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
0.3%
-18.9% YoY+8.8% QoQ
|
-0.6 |
0.8%
+3.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 12.1% in tier |
| Loan To Share |
86.9%
+4.6% YoY+2.2% QoQ
|
+7.5% |
79.3%
-1.4% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$37,249
+32.9% YoY-1.0% QoQ
|
+$10K |
$27,294
+4.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 9.7% in tier |
| CD Concentration |
20.9%
+1.3% YoY+3.3% QoQ
|
-3.7% | 24.6% | 22.2% | 20.0% | 37% |
| Indirect Auto % |
11.8%
+12.6% YoY+6.1% QoQ
|
-1.8% | 13.6% | 9.2% | 7.7% | 57% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)