| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.8% | -0.5 pts |
| Share growth (YoY) | +4.1% | +4.3% | -0.2 pts |
| Loan growth (YoY) | +9.1% | +4.3% | +4.8 pts |
| ROA | 0.34% | 0.62% | -0.3 pts |
| ROE | 3.5% | 5.9% | -2.4 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $656.4M | $558.1M | $474.2M | $63.4M | $556K | 0.34% | 3.31% | 0.23% | 27,435 |
| Q4 2025 | $650.3M | $541.6M | $468.7M | $62.8M | $3.6M | 0.55% | 3.14% | 0.38% | 26,223 |
| Q3 2025 | $639.5M | $533.2M | $462.7M | $61.4M | $2.2M | 0.45% | 3.09% | 0.22% | 35,232 |
| Q2 2025 | $631.6M | $534.2M | $443.5M | $60.1M | $882K | 0.28% | 3.05% | 0.31% | 34,883 |
| Q1 2025 | $629.5M | $535.9M | $434.6M | $59.8M | $115K | 0.07% | 2.93% | 0.22% | 34,533 |
| Q4 2024 | $611.2M | $522.8M | $434.0M | $59.7M | $5.3M | 0.87% | 3.07% | 0.55% | 33,715 |
| Q3 2024 | $634.0M | $531.8M | $437.6M | $58.4M | $4.1M | 0.86% | 2.92% | 0.41% | 28,646 |
| Q2 2024 | $627.0M | $531.1M | $443.0M | $55.8M | $1.5M | 0.47% | 2.92% |
| Ratio | Premier One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.62% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 28,532 |
Loan mix (Q1 2026): real estate $327.1M · commercial $0 · consumer $132.1M · securities $68.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 78.3% | 43rd |
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% |
| Ratio | Premier One 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% |
| Ratio | Premier One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Premier One 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% |
| Ratio | Premier One 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% |
| Ratio | Premier One 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% |
The full ratio pack is part of CharterBench Pro.
6 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Santa Clara, CA, ranked 27th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Santa Clara, CA | 5 | $445.2M* | 0.26% | 27th |
| San Mateo, CA | 1 | $89.0M* | 0.21% | 31st |
California: 187th with 0.03% · San Jose-Sunnyvale-Santa Clara metro: 27th, 0.26% · San Francisco-Oakland-Fremont metro: 84th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 6 · 2024 6 · 2025 6