# PREMIER AMERICA
Chatsworth, CA · NCUA charter 68428 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/premier-america-68428

Who the members are: state charter, organized 1957. 117,427 members of 10,000,000 potential (1.2% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 46.

**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 | $3.31B |
| Members | 117,427 (3.6% YoY) |
| Full-time staff | 420 |
| Net worth | $321.8M |
| Net worth ratio | 9.7% (p27 of band) |
| ROA (annualized) | -0.20% (p2 of band) |
| Total delinquency | 1.20% (p88 of band) |
| Net charge-offs (annualized) | 0.45% (p42 of band) |
| Loans / shares | 89% (p57 of band) |
| Cash / assets | 10.4% |
| Borrowings / assets | 1.51% |
| Net interest margin | 2.27% (p4 of band) |
| Operating expense / assets | 3.01% (p37 of band) |
| Vehicles % of loans | 10% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 35% |
| Third-party paper % of net worth | 27% (p19 of band) |
| Vehicle delinquency | 1.72% (p94 of band) |
| Vehicle NCO | 1.86% (p82 of band) |
| Repossessed % of vehicle book | 0.39% (p94 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 112% |
| Core shares % of member funds | 30% |
| Certificates % of member funds | 29% |
| Average share balance | $11,925 |
| Participations bought / yr | $65.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $75.2M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 61% |
| Average loan balance | $48,048 |
| Loans granted, annualized | $438.0M |

## Participation posture (from the same filings)

Bought $65.0M and sold $0 in the latest annualized quarter; $75.2M outstanding purchased (23.4% of net worth), $2.0M sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -3.2% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 | loans>95% of shares | delinquency 2x band |
| 2018-12 | 1 | delinquency 2x band | loans>95% of shares |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 0 |  | delinquency 2x band, net worth falling |
| 2019-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-12 | 2 | 3rd-party paper>100% NW | delinquency rising |
| 2020-03 | 0 |  | delinquency 2x band, 3rd-party paper>100% NW |
| 2020-06 | 1 | delinquency 2x band |  |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 4 | charge-offs p90 |  |
| 2021-06 | 3 | members leaving | net worth falling, delinquency rising |
| 2021-09 | 1 |  | charge-offs p90, members leaving |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 4 | thin capital, loans>95% of shares, leaning on borrowings |  |
| 2022-12 | 3 |  | delinquency 2x band |
| 2023-03 | 2 |  | thin capital |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 5 | delinquency rising, members leaving |  |
| 2024-03 | 6 | losing money |  |
| 2024-06 | 4 | net worth falling | loans>95% of shares, assets shrinking, delinquency rising |
| 2024-09 | 2 |  | leaning on borrowings, net worth falling |
| 2024-12 | 2 | delinquency 2x band | members leaving |
| 2025-03 | 2 | assets shrinking | delinquency 2x band |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | assets shrinking |

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

- 2025-11-05 [Premier America Credit Union to acquire three Houston-area branches from Resource One Credit Union - CUInsight](https://news.google.com/rss/articles/CBMieEFVX3lxTE52RGMxUXd0NzRFTDVTNDNjZjRadEtnYUpvcGx2RUNvb3owNUpQQm80ay1Lb1lybHFHUkFUQUc5cWZQWm8tM0x0eENSc29rYmxWNmhVVExzVTJUMXhISjVnLVppSGJFTkZHdXlJSDBGcWpOQlRvY2gtYQ?oc=5) · CUInsight
- 2026-05-02 [Premier America opens relocated Simi Valley branch - Simi Valley Acorn](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN25VcE9WTjZVY0FaYVlndlVlQVBIR0dMVXFJWmlYd1M2MzV4LVgzVFVrSUdvNGx1dExmZ2s4c3Mzb1hrLXJYYl8tdjBwc0V1RkkzNHZfWnVxTE1qN2VHYk15SU5BazhmOU8wNy1fbklZTlpqc2c1UTRualZQSlZJaXhEMU5vQllsb2RZSFZKX29sSEtEZUdB?oc=5) · Simi Valley Acorn
- 2026-03-29 [Matadors fall short in matchup against Long Beach State - Daily Sundial](https://news.google.com/rss/articles/CBMimwFBVV95cUxNYzlfS1MtOHdFWG5RWVBnZE9nX3dkaEltRHRtU2VkaF9NTHA0MzBoNDRCZTJPWnFtcUlMZFBQb1g3RDY2WmhrNTV3VlE2VnpSTXpvTmhXZnZlQ1gyNDFGQkJMTEYwb2s1OWpkcFJhNWhSTFR1OGthQnkzbXZfd3F0dEIyZVFrbTJlM01NRFpucXVreGhjMmNZaThkcw?oc=5) · Daily Sundial
- 2022-04-02 [Premier America Credit Union Arena - CSUN Athletics](https://news.google.com/rss/articles/CBMie0FVX3lxTE53Qk1laURJbmExdDRLS1g0ZkgzcXpMcUozQTVHQUdqOGRLLWVjRE1SNE1PNnNhcnk2WTE5YzNoSHZaSXhOTFQ0czc5T1lFc01UWWxlMUVKZC1ueFNoVUhWLVZSa0NGRmR2YlRPMWVqV2RwTHN0eFlfVm9mNA?oc=5) · CSUN Athletics
- 2025-03-21 [Premier America Credit Union Arena - Cal State Northridge Matadors - Stadium Journey](https://news.google.com/rss/articles/CBMipwFBVV95cUxQcGZXRjBsWkRmak9PSTJ6M1IyYjZNMVFMX2xWRVFKTW1YaG5WTWJWZ3FqVXRMUjAwWDBIWmdYeUhsZlJ4ZDZqTjRWZjhYV215cHBXXzFvdXFxRkZnZGZpcFNnQ0JxRHVDOWFaYmk3SVBlTDRsSnB0dk5CdFhlUUNwYmJXQXhKdHBtNWpXWldKeFVIR3FyLTllbTN4Um13ZUwyRVl3UkxOVQ?oc=5) · Stadium Journey
- 2021-12-08 [Premier America Credit Union welcomes four new executives - CUInsight](https://news.google.com/rss/articles/CBMinwFBVV95cUxOa2RiN2NnTXVuQ2dwdDhmdmt4S3dNXzhCX0VjbHBmNmpiTDQyZ0l2YnFmbG1ac1FiamxKdUk4V0dLVTM5cWRwN0h6Rjh4cHNZTndMSkN4WEFpTDVCTDJ2Q3F5MWxZWEpOeFlZaUFwY0hxcHJzXzBqMnJiU1hGWDFaZTdoMlY1OEZiMFN6aFZiV21JUnd3SjAtOExvNmFvTGc?oc=5) · CUInsight
- 2022-03-24 [New Name for CSUN Matadome Under Credit Union Partnership - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxNVzRBbVZuOWZzVEk2YmFuTUlKRDZQVWpmVUZETDUzNW1BN2VvbW9YRWFodXRFaUdwT0loeldLMHFTQU5jSVhlV1pnOVl4U2lXb2g2cV84Wm93VGo1VnpzdGJTdUQzenEtVHFhVVJUdjItdHBsdGRiMVFybUp1RUdmNzhjYU5PQjVYcHpaU045T0Y0WFNsN29VNTRSQ3E3Zw?oc=5) · Los Angeles Business Journal
- 2022-03-23 [CSUN, Premier America Announce Partnership, Matadome to be Renamed After Credit Union - csunshinetoday.csun.edu](https://news.google.com/rss/articles/CBMiywFBVV95cUxPeTllS2IyR3VVUHhQZi10RWE3UTBOY09PLVQtVzVZLXoyUlFscTN2XzlCRUZKdFdYUlJvVlpPdVZkU2UtdEtsMUtpemZIU0pzbWdoWmg1Z3g2VmdWTnhhZllMc3JGYWdKYVUwN0lzeGJuUi1rN3pObVUycko2c2ZpUlBlNzJ1N2VTWUIzRl85MklLYWhyblFyQU84THc2Q0ZLZ0NlaEZXNmY0RUlfN3prOVpaMHBXV2MwRC1GdkkyRV93bG45YXVyLTlaaw?oc=5) · csunshinetoday.csun.edu

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68428 (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/12.json (key "68428", 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=68428
- 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