# PREMIER COMMUNITY
STOCKTON, CA · NCUA charter 64515 · asset band $200-500M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/premier-community-64515

Who the members are: state charter, organized 1931. 9,646 members of 25,000 potential (38.6% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *too clean*. Composite score 7 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $207.2M |
| Members | 9,646 (-7.8% YoY) |
| Full-time staff | 38 |
| Net worth | $15.4M |
| Net worth ratio | 7.4% (p9 of band) |
| ROA (annualized) | -0.44% (p1 of band) |
| Total delinquency | 0.14% (p27 of band) |
| Net charge-offs (annualized) | 0.69% (p97 of band) |
| Loans / shares | 31% (p3 of band) |
| Cash / assets | 23.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.66% (p5 of band) |
| Operating expense / assets | 2.74% (p30 of band) |
| Vehicles % of loans | 36% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 244% (p83 of band) |
| Vehicle delinquency | 0.18% (p35 of band) |
| Vehicle NCO | 0.52% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p29 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 4% |
| Average share balance | $10,042 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $13,262 |
| Loans granted, annualized | $17.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | members leaving |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 1 |  | members leaving, delinquency 2x band |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | members leaving |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | auto monoline |  |
| 2020-03 | 1 |  | auto monoline |
| 2020-06 | 4 | thin capital, net worth falling, losing money, margin squeeze | members leaving |
| 2020-09 | 3 |  | losing money |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | losing money |  |
| 2021-06 | 3 | members leaving | margin squeeze, losing money |
| 2021-09 | 4 | delinquency rising |  |
| 2021-12 | 7 | losing money, charge-offs p90, loan book shrinking |  |
| 2022-03 | 7 | 3rd-party paper>100% NW | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-27 [Teacher of the Year Finalists and Winners of Classified Employee and School Counselor of the Year Awards Announced - San Joaquin County Office Of Education](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQS19UV1Rxazl4RnY4SlBUd1pyVS1RbWRHV2o1NUJhazU5VjBrSzM2S0pfVXYyZFlzZlhSOUp0ekJxVlVOZUN5NzRHQk5nT0F6bkFmdmJETmdRNzh4Zmd6SERNS1R4TXA0b0w0MmN1ME16eHFXeC1yRzhSczdXRk0zUC1BT2wtd1ExX1NrcFFwMFhCR29sUVhKWDEtYU1TMFR3ekw2dFk2YmFyVllNZHV6NmJaSFZWRC00UDJFMndlZS1XR3ZjNk10V3plZnJ1cDAxRl9fbGtWWGRkS2RDSWZHTW5uOU5reUM4YlVHSHVHWjlzVGRjUGptbmthREQ?oc=5) · San Joaquin County Office Of Education
- 2022-06-13 [Tracy educator named SJ County Teacher of the Year - Stocktonia](https://news.google.com/rss/articles/CBMiogFBVV95cUxNN3AtZ2xqQmMtTnlwRko3UWwxN3JNeXdWazcySldjdFo3NTEyQXJwNW10bTVJWkREb1pkbHl2ZG5vRUgtYmZHUEU5cTdKTFpodmdHdllVb2pnZ1pvZU9fc2wwcFpFZ090akstOGY5U2gwY0xQUm9ncVBDOGVaZ2V6Zkw0TS01OXlGSnpiRVRBcjc2Z1VqX1d3SjEwUHFiZWhzblE?oc=5) · Stocktonia
- 2026-03-03 [Premier West Covina retail center trades hands for $25.78M - JLL](https://news.google.com/rss/articles/CBMimwFBVV95cUxNdDQ2dlpvSWhyZlVwRExOODgxVmhsTEI4RUYwUXlRdzBmcHRpWk95VzdkbGVKWWwzT1NJcHU3a2pHMUtBTUk2NHRrNm93Vlc4NWlvUDAyallabVNYdkVMYnRiUnFtVDB1bVBrLUNBUXUwZnRVZW5UV0tseWlqeFFMdlVWZFJWaVc2RW4ySmFJSXlDY2ttZUV2Ym9hRQ?oc=5) · JLL
- 2012-09-25 [Shot Fired Inside Stockton Credit Union During Robbery - CBS News](https://news.google.com/rss/articles/CBMimwFBVV95cUxQc3E0YTJ0dmxwam1CbF9nNkVMaUxTeE5yeWU0TVgxMDFUd2lMQ3BmdDRuUkhwbFNxSFp3S0ppaVdRajg4VTY1SE15bDlaRF9lTDg3UlU5RDdkX0hEc0F3RVZhSk94ZkNOSWhRT2ZwMTYwc2xRbUlrRU9XWXNhWGhyVVF2YjQ0TzlSblhfRWw3Rk1wc3otaFRiZlg4Yw?oc=5) · CBS News
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2016-06-11 [SJ County names top teacher - The Stockton Record](https://news.google.com/rss/articles/CBMinwFBVV95cUxQTXVIR3dWZXYwS0VZN09BV1JvVEwwazh5TG1IYnFZQTBRemxYZ3JkZGJ2Z1Bxb19CM1FaXzlIanFydXptZXdkUU5WNFNOZUc1R1FUdl82aFN0Y3UtTHNfZFhOSEhuNHIyRzIzVDA4ZlM1V3RyMlozcFEtamZ1U0FEUlFoeHBoajhwc1dJbEctVHVSZlF5c0QxaTZqS3lIYTA?oc=5) · The Stockton Record
- 2017-05-10 [Escalons Lial Selected For Classified Recognition - Escalon Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxNRHZtOW9TS2RKYnJVQkwtN19lRmQ2a0g4WE1rMHFMZXJyT092WkRkb2ZuRlBZb0RzWFc5R2xnYVp1UU5kR1BibDBHd2NZTWdsTU5hazdjekdLS0x4bC11TlN3eVpsU2VSOVdrQnFJd0dndFNNdTlsOGNNSndJejNORGx4VTZ5dXF2T2ZWNGY3Q3FsR2dhZG5YYWpyNA?oc=5) · Escalon Times
- 2015-07-12 [San Joaquin County Teacher of the Year named - The Stockton Record](https://news.google.com/rss/articles/CBMiowFBVV95cUxPMjVSWGpjdE1BWWd3V2xkbGI5cjQyamNjWVNmdmg5aTE0ckxqdjB3akx0MHBpZzU5b3YtdGNKT05PcVVhbVdtcFAxUGtScUdqQ2VNMjlNa3JhYTlLN19PUGtYMGRIQ1NQX2M5SFlQRkJBZ3pHRThLdDM3RHpLX2lzN2x5ZXRVNlhTaS1lUTRRZ0xPU0ROaGVNTkxWMFJhaTl5Z1E0?oc=5) · The Stockton Record

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64515 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/3.json (key "64515", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=64515
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide