BlastPoint's Credit Union Scorecard
PREMIER ONE
Charter #68540 · CA
PREMIER ONE has 5 strengths but faces 7 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 0.8% in tier
- + Wallet Share Momentum: Top 1.2% in tier
- + AMR Growth Rate: Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 6.1% in tier
- + Average Member Relationship (AMR): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 0.5% in tier
- - Stagnation Risk: Bottom 51.0% in tier
- - Cost Spiral: Bottom 60.0% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 1.10% above tier (higher cost structure)
- - Member decline: -22.2% YoY
- - Member Growth Rate: Bottom 1.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,223
-22.2% YoY-25.6% QoQ
|
-12.4K |
38,575
-4.8% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 9.7% in tier |
| Assets |
$650.3M
+6.4% YoY+1.7% QoQ
|
+$28.6M |
$621.7M
+0.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$468.7M
+8.0% YoY+1.3% QoQ
|
+$38.9M |
$429.8M
-1.8% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$541.6M
+3.6% YoY+1.6% QoQ
|
+$2.9M |
$538.7M
+0.6% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.6%
-34.9% YoY+22.9% QoQ
|
-0.1% |
0.7%
+42.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
3.2%
+4.9% YoY+1.6% QoQ
|
-0.3% |
3.4%
+8.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
78.6%
+10.1% YoY-2.0% QoQ
|
+1.1% |
77.5%
-4.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.4%
-31.9% YoY+74.8% QoQ
|
-0.5 |
0.8%
-1.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
86.5%
+4.2% YoY-0.3% QoQ
|
+6.7% |
79.8%
-2.3% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$38,526
+35.8% YoY+36.3% QoQ
|
+$12K |
$26,849
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 7.3% in tier |
| CD Concentration |
21.3%
+7.3% YoY+1.7% QoQ
|
-3.1% | 24.4% | 21.7% | 19.8% | 39% |
| Indirect Auto % |
10.8%
+8.3% YoY+0.9% QoQ
|
-2.9% | 13.8% | 9.2% | 7.8% | 55% |
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 (3)
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.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)