Premier One
San Jose, CA · Charter 68540 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 6 branches
Q2 2026
$655.7MAssets
$483.3MLoans
$556.5MShares
$63.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 65% of credit unions under $1B in assets in CA (rank 23 of 62).
- Widest gap: net interest margin trails 62% of credit unions under $1B in assets in CA (rank 39 of 63).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.40%
Rank 39 of 63
Net Interest Margin
3.39%
Rank 39 of 63
Efficiency Ratio
76.60%
Rank 24 of 63
Equity / Assets
9.71%
Rank 37 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.17% | 0.56% | 1.17% | Beats 38% | 39 / 63 | |
| Return on Equity | 4.13% | 1.81% | 4.79% | 8.64% | Beats 44% | 35 / 63 | |
| Net Interest Margin | 3.39% | 3.18% | 3.49% | 3.98% | Beats 38% | 39 / 63 | |
| Efficiency Ratio | 76.60% | 70.58% | 81.25% | 89.21% | Beats 63% | 24 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.17% | 0.42% | 0.85% | Beats 65% | 23 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.71% | 8.61% | 10.56% | 14.01% | Beats 41% | 37 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.71% | 8.61% | 10.56% | 14.01% | Beats 41% | 37 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 86.85% | 53.46% | 72.75% | 85.33% | 77th pctl | 14 / 62 | |
| Loans / Assets | 73.71% | 46.35% | 58.08% | 72.17% | 79th pctl | 13 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |