PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Premier One

San Jose, CA · Charter 68540

NCUA · 6 branches

Q2 2026

$655.7MAssets
$483.3MLoans
$556.5MShares
$63.7MNet 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 0.40%, up 12 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.25% of loans (-6 bps YoY).
  • Capital: net worth / assets of 9.71%, up 20 bps from a year ago.
  • Funding: loans stand at 86.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+33 bps YoY

Efficiency Ratio (YTD, annualized)

76.59%-759 bps YoY

Net Worth / Assets

9.71%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.45%0.55%0.34%0.40%+12 bps
Return on Equity2.94%4.71%5.74%3.51%4.13%+119 bps
Net Interest Margin3.05%3.09%3.14%3.31%3.39%+33 bps
Efficiency Ratio84.18%80.21%78.61%76.76%76.59%-759 bps
Growth
Asset Growth (YoY)0.73%0.86%6.39%4.27%3.82%+309 bps
Loan Growth (YoY)0.11%5.74%8.00%9.12%8.98%+887 bps
Share Growth (YoY)0.59%0.26%3.60%4.13%4.17%+358 bps
Asset Quality
Delinquent Loans / Loans0.31%0.22%0.38%0.23%0.25%-6 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 Capital9.51%9.60%9.66%9.65%9.71%+20 bps
Net Worth / Assets9.51%9.60%9.66%9.65%9.71%+20 bps
Liquidity & Funding
Loans / Shares83.02%86.78%86.53%84.97%86.85%+384 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps