Premier America Credit Union
Total assets
$3.31B
▼ -2.4% YoY
Shares & deposits
$2.93B
▼ -3.2% YoY
Loans
$2.61B
▼ -4.8% YoY
Members
117,427
▲ +3.6% YoY
ROA (annualized)
-0.20%
peers 0.71%
ROE (annualized)
-2.07%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +5.1% | -7.5 pts |
| Share growth (YoY) | -3.2% | +4.9% | -8.1 pts |
| Loan growth (YoY) | -4.8% | +5.4% | -10.3 pts |
| ROA | -0.20% | 0.71% | -0.9 pts |
| ROE | -2.1% | 6.3% | -8.3 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 19867 Prairie St, Chatsworth, CA, 91311
- NCUA charter #
- 68428
- RSSD ID
- 96487
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.31B | $2.93B | $2.61B | $321.8M | $-1.7M | -0.20% | 2.27% | 1.20% | 117,427 |
| Q4 2025 | $3.26B | $2.90B | $2.65B | $323.5M | $-8.6M | -0.27% | 2.28% | 1.13% | 116,748 |
| Q3 2025 | $3.31B | $2.92B | $2.72B | $326.8M | $-6.6M | -0.26% | 2.21% | 1.16% | 116,338 |
| Q2 2025 | $3.32B | $2.95B | $2.75B | $327.4M | $-6.0M | -0.36% | 2.09% | 1.19% | 113,925 |
| Q1 2025 | $3.39B | $3.03B | $2.74B | $329.2M | $-4.1M | -0.49% | 1.92% | 1.01% | 113,350 |
| Q4 2024 | $3.40B | $3.04B | $2.71B | $333.4M | $-9.0M | -0.27% | 1.92% | 1.38% | 112,205 |
| Q3 2024 | $3.45B | $3.07B | $2.78B | $335.5M | $-8.1M | -0.31% | 1.92% | 1.01% | 111,420 |
| Q2 2024 | $3.66B | $3.06B | $2.81B | $341.2M | $-2.4M | -0.13% | 1.80% | 0.81% | 110,105 |
Loan mix (Q1 2026): real estate $1.83B · commercial $358.8M · consumer $408.4M · securities $266.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.20% | 0.71% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 6.3% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | 3.32% | 4th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.5% | 73.0% | 100th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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