PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Premier America

Chatsworth, CA · Charter 68428

NCUA · 21 branches

Q2 2026

$3.3BAssets
$2.6BLoans
$3.0BShares
$313.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.63%, down 27 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 1.80% of loans (+60 bps YoY).
  • Capital: net worth / assets of 9.43%, down 43 bps from a year ago.
  • Funding: loans stand at 87.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.63%-27 bps YoY

Net Interest Margin (YTD, annualized)

2.33%+25 bps YoY

Efficiency Ratio (YTD, annualized)

110.74%+610 bps YoY

Net Worth / Assets

9.43%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.36%-0.26%-0.27%-0.20%-0.63%-27 bps
Return on Equity-3.64%-2.68%-2.67%-2.07%-6.63%-299 bps
Net Interest Margin2.09%2.21%2.28%2.27%2.33%+25 bps
Efficiency Ratio104.64%98.10%98.53%108.52%110.74%+610 bps
Growth
Asset Growth (YoY)-9.23%-4.03%-4.06%-2.39%-0.03%+920 bps
Loan Growth (YoY)-2.09%-2.22%-2.45%-4.83%-5.21%-312 bps
Share Growth (YoY)-3.67%-4.88%-4.64%-3.24%1.58%+525 bps
Asset Quality
Delinquent Loans / Loans1.19%1.16%1.13%1.20%1.80%+60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.86%9.87%9.93%9.71%9.43%-43 bps
Net Worth / Assets9.86%9.87%9.93%9.71%9.43%-43 bps
Liquidity & Funding
Loans / Shares93.36%92.92%91.39%88.86%87.12%-624 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps