Premier Financial Credit Union
Total assets
$130.3M
▲ +1.4% YoY
Shares & deposits
$111.7M
▼ -0.8% YoY
Loans
$79.2M
▲ +2.8% YoY
Members
8,374
▼ -1.6% YoY
ROA (annualized)
1.06%
peers 0.69%
ROE (annualized)
7.90%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.9% | -2.5 pts |
| Share growth (YoY) | -0.8% | +3.3% | -4.1 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.1 pts |
| ROA | 1.06% | 0.69% | +0.4 pts |
| ROE | 7.9% | 5.9% | +2.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
Profile
- Established
- 1962
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 2017 Main Street, Po Box 158, New Holstein, WI, 53061
- NCUA charter #
- 66760
- RSSD ID
- 54094
- 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 | $130.3M | $111.7M | $79.2M | $17.6M | $347K | 1.06% | 3.93% | 1.24% | 8,374 |
| Q4 2025 | $128.4M | $110.5M | $79.2M | $17.2M | $1.8M | 1.40% | 4.04% | 1.29% | 8,405 |
| Q3 2025 | $129.1M | $111.6M | $78.9M | $16.7M | $1.3M | 1.33% | 4.00% | 1.08% | 8,437 |
| Q2 2025 | $129.0M | $112.0M | $76.8M | $16.2M | $762K | 1.18% | 3.93% | 1.00% | 8,463 |
| Q1 2025 | $128.5M | $112.6M | $77.1M | $15.8M | $392K | 1.22% | 3.91% | 0.80% | 8,513 |
| Q4 2024 | $128.9M | $113.0M | $78.7M | $15.4M | $1.9M | 1.44% | 3.93% | 0.65% | 8,529 |
| Q3 2024 | $128.8M | $113.5M | $75.7M | $15.0M | $1.5M | 1.50% | 3.93% | 0.77% | 8,525 |
| Q2 2024 | $129.6M | $113.8M | $74.1M | $14.5M | $986K | 1.52% | 3.89% | 0.62% | 8,512 |
Loan mix (Q1 2026): real estate $44.7M · commercial $4.2M · consumer $27.9M · securities $21.2M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.69% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.62% | 70th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 78.7% | 46th | |
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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