BlastPoint's Credit Union Scorecard
PREMIER ONE
Charter #68540 · CA
PREMIER ONE has 6 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
- + Organic Growth Leader: Top 0.9% in tier
- + Organic Growth Engine: Top 12.4% in tier
- + Credit Quality Leader: Top 44.8% in tier
- + Strong member growth: 23.0% YoY
- + Member Growth Rate: Top 2.4% in tier
- + Total Delinquency Rate (60+ days): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 1.0% in tier
- - Wealth Migration Risk: Bottom 13.6% in tier
- - Efficiency Drag: Bottom 29.4% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 2.12% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 2.4% in tier
- - Fee Income Per Member: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,232
+23.0% YoY+1.0% QoQ
|
-4.5K |
39,752
-2.7% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$639.5M
+0.9% YoY+1.3% QoQ
|
+$17.1M |
$622.4M
+0.3% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$462.7M
+5.7% YoY+4.3% QoQ
|
+$26.7M |
$435.9M
-0.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$533.2M
+0.3% YoY-0.2% QoQ
|
$-4.8M |
$538.0M
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
0.5%
-47.4% YoY+62.5% QoQ
|
-0.2% |
0.7%
+33.9% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.1%
+5.8% YoY+1.7% QoQ
|
-0.3% |
3.4%
+8.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
80.2%
+17.5% YoY-4.7% QoQ
|
+2.1% |
78.1%
-3.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.2%
-46.7% YoY-30.9% QoQ
|
-0.6 |
0.8%
-4.9% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
86.8%
+5.5% YoY+4.5% QoQ
|
+5.8% |
81.0%
-1.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$28,267
-16.5% YoY+0.9% QoQ
|
+$2K |
$26,482
+2.6% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
69% |
| CD Concentration |
21.0%
+4.0% YoY+2.0% QoQ
|
-3.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
38% |
| Indirect Auto % |
10.7%
+2.0% YoY+2.1% QoQ
|
-3.2% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
55% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)