Premier Credit Union
Total assets
$393.9M
▲ +11.2% YoY
Shares & deposits
$357.9M
▲ +12.5% YoY
Loans
$332.7M
▲ +11.2% YoY
Members
16,594
▼ -14.7% YoY
ROA (annualized)
0.16%
peers 0.69%
ROE (annualized)
1.89%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Premier Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +3.9% | +7.3 pts |
| Share growth (YoY) | +12.5% | +3.3% | +9.2 pts |
| Loan growth (YoY) | +11.2% | +2.9% | +8.3 pts |
| ROA | 0.16% | 0.69% | -0.5 pts |
| ROE | 1.9% | 5.9% | -4.1 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
Profile
- Established
- 1933
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 800 9Th St, Des Moines, IA, 50309
- NCUA charter #
- 64271
- RSSD ID
- 85696
- 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 | $393.9M | $357.9M | $332.7M | $32.4M | $153K | 0.16% | 2.94% | 0.80% | 16,594 |
| Q4 2025 | $374.4M | $335.0M | $323.7M | $32.2M | $2.0M | 0.53% | 2.92% | 1.13% | 16,367 |
| Q3 2025 | $355.2M | $312.4M | $313.1M | $31.7M | $1.5M | 0.55% | 3.05% | 1.14% | 17,629 |
| Q2 2025 | $344.4M | $302.5M | $304.5M | $31.1M | $818K | 0.47% | 3.03% | 1.58% | 17,819 |
| Q1 2025 | $354.1M | $318.1M | $299.2M | $30.5M | $314K | 0.35% | 2.77% | 1.53% | 19,464 |
| Q4 2024 | $338.7M | $299.8M | $299.5M | $30.2M | $1.6M | 0.47% | 2.56% | 1.33% | 19,796 |
| Q3 2024 | $329.2M | $288.8M | $293.4M | $29.7M | $1.1M | 0.44% | 2.58% | 0.99% | 19,849 |
| Q2 2024 | $327.8M | $290.2M | $287.4M | $29.3M | $636K | 0.39% | 2.51% | 0.78% | 19,764 |
Loan mix (Q1 2026): real estate $237.2M · commercial $4.4M · consumer $88.2M · securities $13.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Premier Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.69% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.62% | 14th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 78.7% | 81th | |
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 | Premier Credit Union | 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 | Premier Credit Union | 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 | Premier Credit Union | 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 | Premier Credit Union | 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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