PREMIER FINANCIAL
Charter #66760 · New Holstein, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.29% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.24% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.08% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 39th — a 19-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PREMIER FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $130.33M | 20th pct | 38th pct |
| Members | 8,374 | 21th pct | 39th pct |
| Net worth ratio | 13.48% | 75th pct | 70th pct |
| Return on average assets | 1.07% | 73th pct | 67th pct |
| Net interest margin | 3.96% | 69th pct | 62th pct |
| Cost of funds | 0.29% | 12th pct | 7th pct |
| Loan-to-share | 70.95% | 49th pct | 48th pct |
| Delinquency 60+ days | 1.24% | 85th pct | 75th pct |
| Net charge-off ratio | 0.08% | 16th pct | 25th pct |
| Loan growth YoY | 0.42% | 51th pct | 49th pct |
| Share growth YoY | 0.09% | 10th pct | 5th pct |
| Efficiency ratio | 77.68% | 47th pct | 48th pct |
structural peer set hash: 77cb1fcf52ddac1034047b96a80926a6… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.