# PREMIER FINANCIAL
New Holstein, WI · NCUA charter 66760 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/premier-financial-66760

Who the members are: state charter, organized 1962. 8,374 members of 180,000 potential (4.7% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $130.3M |
| Members | 8,374 (-1.6% YoY) |
| Full-time staff | 32 |
| Net worth | $17.6M |
| Net worth ratio | 13.5% (p72 of band) |
| ROA (annualized) | 1.07% (p72 of band) |
| Total delinquency | 1.24% (p82 of band) |
| Net charge-offs (annualized) | 0.08% (p20 of band) |
| Loans / shares | 71% (p53 of band) |
| Cash / assets | 16.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.93% (p65 of band) |
| Operating expense / assets | 3.88% (p59 of band) |
| Vehicles % of loans | 33% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 25% |
| Third-party paper % of net worth | 38% (p52 of band) |
| Vehicle delinquency | 0.91% (p68 of band) |
| Vehicle NCO | 0.16% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 24% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 2% |
| Average share balance | $6,282 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $22,794 |
| Loans granted, annualized | $28.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | net worth falling, losing money |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | losing money |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 2 |  | delinquency 2x band |
| 2020-09 | 2 | margin squeeze | delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | thin capital, members leaving |  |
| 2021-06 | 5 | delinquency 2x band |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 4 |  | net worth falling |
| 2022-03 | 1 |  | margin squeeze, members leaving, delinquency 2x band |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | thin capital |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 2 | assets shrinking |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

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

- 2026-07-23 [Our Town Lake Winnebago’s East Side: Premier Financial Credit Union - WFRV Local 5](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOUjhGYnJCd3hhQjZUTVV3dW5XMmFuRFV4OTkyUkNqbnJyWml1M3gzX25zX0kySmRnTU5sbnh0ekxqYkdCTDBYaEk2eVFqaFdpOU51V2doXzlUcXBjVEtTV0JabzFsNENQNDB4QUZVMF9zcnFNVEpyWmZpVEJ4dG80bi1UMzQ1cnZWZEJCd0dqd3RCWlY4b0VENGdTM3lCZXBtUXdWUUpnOULSAa4BQVVfeXFMTm5TMzZjUmFJMTB1WlBrOUQ0U1ktdXFiT0ROanlPMGNLUEJHcnhsT3hHb2ZDWmNaUXU5WmVmV09KODltOTcxeU1XVjhpZXhZclJIX1R6VHlPTng5cVRCUE9GUzBYR1hsc296UnVRX004S3JUR0pEMFpnSjBPWmNVSk9ZbFNYYjJaQnVzTmtnOVB0djAxQUNsVkdXRlAyY1JiZ2lBenY0R2U4WUdZOS1n?oc=5) · WFRV Local 5
- 2025-11-19 [Premier breaks ground on new Plymouth branch - Tri-County News](https://news.google.com/rss/articles/CBMixwFBVV95cUxPT0ozTU9UZzdEeWQwa3FJaGVxa2NsUThKTUx3MlFoNzE5R0ZEcXdfSEpqMmFFbDRYeENTUGc0cXFBVEdzUThGdHdGT0M4VjQxb1NfWktUeml6U2JiZE1Bel96NHdOcmdseml1Y1UyaGJfLVNaNm5XV3JpSXFnSGl6eVZ3N3oxa2NiTS0xWk5PRm42VG5NXzlTbTRoOVNSczM3bW9odFM0QlZCMzFmWVBPTmJtVWNMa0lCaUNfaDk5X3Y1dm1uZDgw?oc=5) · Tri-County News
- 2026-05-13 [Gerald Jerry Tiedt - Herald Times Reporter](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBiS3lWV2xTMjBYOG84X3dyQUE3TDJzQTBYTENDODljU3NyNGlabGExUWk3aDMyWkpFdnJzdXJzZUFlMnIwZFg1dVFBNlVQZ1hzQUxldHlLbmJBQQ?oc=5) · Herald Times Reporter
- 2024-01-10 [Corporate Central to host first ever Digital Marketing Forum - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxPbTc0RTNReUZEX1B2RHRfYnVzQ2tmQXB3ZUlyNnh4Z2thMW90MTJiSDk0WkNubXZtX3pSYnQ4LWpmbHRPVXMyR0R5Z0Q2WWJjaUoyX2ludDBiSWR5U1h0YmJDRGc4c0dYYW5pR3pmb2ZfcVN6NTllUGJMSE5VZzd4TnZMeWQtQ216YzA1cmhOQWNLTUFoV3dYNm0zOEx2NmxPcEZF?oc=5) · CUInsight
- 2024-03-26 [5 candidates running for Kiel School Board - Tri-County News](https://news.google.com/rss/articles/CBMivgFBVV95cUxQck0xVTdaMWJmTXFhRk5EMy15aXEtR1dxWFpVVWZPNXJqejgtTTU3UVNNdE10LW9RUC1hMWVnVWQwMW4zbWl0cXJ0VWZRMnJ4aDN4WmV2Q1BNVjE2ZEpLZXRuYzhhVXV5d2M2MGZxLWh2b0JEclUwT0dfU05jR3NYM2piNjFVR2RyQllLbU9KSU1NZ3V4ZmlUOGc5RjRQUjVRVHBiZjl2cFZSdllPejNubWdHYVhlV1ZESmd4RWp3?oc=5) · Tri-County News
- 2018-05-15 [2025 Easter Egg Guide for Kids – Egg Hunts, Easter Bunny & More! - Go Valley Kids](https://news.google.com/rss/articles/CBMiVEFVX3lxTFBPMEFTY0hUd1U1S2NwYWV3TUx2TmNVVUpDWENKdy1SYXZoRFRJR0tRUEtEcTBfUk1qTGVKUEk2NjdGMi1uU1NQYVpOYWNBQWVQZFVpZw?oc=5) · Go Valley Kids
- 2026-08-17 [Joan Thielman - Tri-County News](https://news.google.com/rss/articles/CBMipgFBVV95cUxNRkhJdGU2dmsybmppR0M1SU5JcDlvSWttakdObTR2MnF0bDV0Vl9IZFE2ekpLQ0pHeGU1OHZ0MWdzcXVEZG9oRHpBaUJnN1ZhcGJ6YnBZY3M3ZnVXc0U3clN2aDRLQ3h5SEphNjRrMFh0TnhzbC1YVUM0WXZPd0stanl6VnczU3k2XzJzdFlodnhJWl92TER1cEhzZlBVc0oybDZMWDln?oc=5) · Tri-County News
- 2023-10-30 [Parade route set for New Holstein Holiday Parade - Tri-County News](https://news.google.com/rss/articles/CBMixgFBVV95cUxNOTJnQ0lVTVVEVTJaRnEyV1VMUnptTXZQZW5CSjY3U1NTYjU3ZnZvemFRczZzMHJiYXhveWNJMTltS0NqaWxJZVpUSVFJb3NJbjN6TVVsZGdBQnlVd2tDc2lQcUlOWktPVmV6dUtPbTFGY1A1blMxd0gxcU1kUFdFOGhkUVYzd1lhWjhqNDg1ajVFYlNPWVlHNE9GaVBlRXZhTnd6REpfS09xY3BEUEI2eWFOSW5ybzQwZVlvakR0TUxGeWloTEE?oc=5) · Tri-County News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66760 (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/8.json (key "66760", 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=66760
- 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.

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