PREMIER AMERICA
Charter #68428 · Chatsworth, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.20% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.29% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.20% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 108.52% sits at the 98th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 41st percentile but its structural peers at the 61st — a 20-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 AMERICA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.31B | 69th pct | 62th pct |
| Members | 117,427 | 48th pct | 56th pct |
| Net worth ratio | 9.75% | 27th pct | 43th pct |
| Return on average assets | -0.20% | 2th pct | 3th pct |
| Net interest margin | 2.29% | 5th pct | 5th pct |
| Cost of funds | 2.23% | 74th pct | 67th pct |
| Loan-to-share | 88.86% | 57th pct | 49th pct |
| Delinquency 60+ days | 1.20% | 87th pct | 80th pct |
| Net charge-off ratio | 0.45% | 41th pct | 61th pct |
| Loan growth YoY | -4.02% | 2th pct | 5th pct |
| Share growth YoY | 0.37% | 6th pct | 13th pct |
| Efficiency ratio | 108.52% | 100th pct | 98th pct |
structural peer set hash: 73ade23349a5eee052d7e6dc2ca17ca0… (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.