PREMIER ONE
Charter #68540 · San Jose, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 27,435 sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.23% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 26th — a 17-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 ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $656.41M | 38th pct | 25th pct |
| Members | 27,435 | 10th pct | 7th pct |
| Net worth ratio | 9.65% | 34th pct | 44th pct |
| Return on average assets | 0.34% | 24th pct | 30th pct |
| Net interest margin | 3.32% | 38th pct | 31th pct |
| Cost of funds | 1.60% | 60th pct | 54th pct |
| Loan-to-share | 84.97% | 62th pct | 48th pct |
| Delinquency 60+ days | 0.23% | 14th pct | 11th pct |
| Net charge-off ratio | 0.59% | 66th pct | 64th pct |
| Loan growth YoY | 2.49% | 68th pct | 70th pct |
| Share growth YoY | 4.67% | 61th pct | 75th pct |
| Efficiency ratio | 76.76% | 43th pct | 26th pct |
structural peer set hash: 8cbab243915461839dc07d21012843b1… (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.