# CU Intelligence · Compare

up to ten credit unions side by side with year-earlier values, ranks, band percentiles and the band median; peer presets, criteria builder, merger candidates near us; Excel and CSV export.

Live page: https://getbookiq.com/cu-intel/#compare

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COMPARE · UP TO TEN CREDIT UNIONS, SIDE BY SIDE
The board-pack table. Add your own credit union, mark it as "us", then build a peer set in one click or pick peers by hand. Every cell is the number the tape read shows for that quarter, with the year-earlier value under it; rank is among the institutions on this table, the chip is the percentile inside the institution's own asset band, and the last column is the same-quarter band median. Click a row's chart link to see the whole group over time. Export the table, the trends, the rankings and the reads as one workbook.
3 of 10
CLEAR
peer set around PREMIER ONE:
SAME ASSET BAND, NEAREST IN SIZE
SAME STATE
WITHIN 30% OF OUR SIZE
SAME BAND, AUTO-HEAVY
PEER GROUP BUILDER
show / hide
asset band
any
<$50M
$50-100M
$100-200M
$200-500M
$500M-1B
$1-10B
>$10B
state
any
AK
AL
AR
AZ
CA
CO
CT
DC
DE
FL
GA
GU
HI
IA
ID
IL
IN
KS
KY
LA
MA
MD
ME
MI
MN
MO
MS
MT
NC
ND
NE
NH
NJ
NM
NV
NY
OH
OK
OR
PA
PR
RI
SC
SD
TN
TX
UT
VA
VI
VT
WA
WI
WV
WY
assets from ($M)
assets to ($M)
charter
any
federal
state
business model
any
auto-heavy (vehicles 40%+ of loans)
indirect lender
mortgage-heavy (RE 50%+)
consumer book (RE under 15%)
participation buyer
participation seller
performance
any
clean (score 0 to 2)
stressed (score 7+)
members growing 3%+
members shrinking 3%+
ROA 1%+
losing money
live only
yes
include departed
APPLY CRITERIA GROUP
4,336 match; the ten nearest our size will be applied
smart:
top
bottom
by
ROA
net worth ratio
member growth
delinquency (best = lowest)
charge-offs (best = lowest)
expense ratio (best = lowest)
loans to shares
vehicle share of loans
participations sold
participations bought
assets
in
our state
our band
our state and band
the whole country
APPLY
list:
APPLY LIST
MERGER CANDIDATES NEAR US
within 
25 miles
50 miles
100 miles
200 miles
500 miles
small, capital-rich, shrinking or thin-earning, few staff, clean credit, close to our branches; each row shows its fit reasons
SAVE THIS GROUP

Criteria groups apply the ten nearest our size that match. Saved groups live in this browser; "copy as text" gives you the charters to send to a colleague, who pastes them into the list box. Distance is between branch cities, not addresses.

US
PREMIER ONE · CA
×
MARKET USA · MD
×
CREDIT UNION OF TEXAS · TX
×
quarter 
2016-03
2016-06
2016-09
2016-12
2017-03
2017-06
2017-09
2017-12
2018-03
2018-06
2018-09
2018-12
2019-03
2019-06
2019-09
2019-12
2020-03
2020-06
2020-09
2020-12
2021-03
2021-06
2021-09
2021-12
2022-03
2022-06
2022-09
2022-12
2023-03
2023-06
2023-09
2023-12
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
 year-earlier value and change
 band percentile chips
sort columns by 
selection order
Total assets
Loans
Member funds (shares and deposits)
Net worth
Members
Full-time staff
Members per full-time employee
Net worth ratio
Return on assets, annualized
Net interest margin
Operating expense / assets
Yield on loans
Total delinquency
Net charge-offs, annualized
Vehicle delinquency
Vehicle charge-offs, annualized
Repossessed % of vehicle book
Allowance for credit losses
Members, year over year
Members per full-time employee
Average share balance
Core shares % of member funds
Share and deposit accounts
Loans outstanding per 100 members
Loans granted per 100 members, annualized
Average loan balance
Loans per full-time employee
Loans granted, annualized
Loans / shares
Cash / assets
Borrowings / assets
Certificates % of member funds
Vehicles % of loans
Indirect vehicle % of vehicle (all-channel basis before 2022)
Indirect, all channels, % of loans
Third-party paper % of net worth
Real estate % of loans
Credit cards % of loans
Commercial % of loans
Participations bought / yr
Participations sold / yr
Participation charge-offs, annualized
Composite score (of 18)
Flags firing
Download Excel workbook
Download CSV
Copy link to this table
WHERE PREMIER ONE STANDS, FROM THE TABLE BELOW

PREMIER ONE ranks in the upper half on 15 of 17 measures where better is defined, against 2 peers, in 2026-03.

Best of the group on: Operating expense / assets; Total delinquency; Net charge-offs, annualized; Vehicle delinquency; Vehicle charge-offs, annualized; Repossessed % of vehicle book; Composite score (of 18); Flags firing.

Last of the group on: Members, year over year; Loans granted per 100 members, annualized.

Net worth ratio 9.7%, peers average 13.5%, band median 10.4%, up 0.2 points from a year earlier.

Return on assets 0.34%, peers average 0.42%, band median 0.62%, up 0.27 points from a year earlier.

Delinquency 0.23%, peers average 1.55%, band median 0.59%, up 0.01 points from a year earlier.

Net charge-offs 0.59%, peers average 1.58%, band median 0.42%, up 0.07 points from a year earlier.

Loans to shares 85%, peers average 86%, up 4 points from a year earlier.

Composite score 3 of 18; 2 of the 2 peers score higher (worse).

MEASURE · 2026-03	US · PREMIER ONE
SAN JOSE, CA · $500M-1B	MARKET USA
LAUREL, MD · $100-200M	CREDIT UNION OF TEXAS
ALLEN, TX · $1-10B	BAND MEDIAN
$500M-1B
SIZE AND PEOPLE
Total assetschart
assets
	$656.4M#2
$629.5M → +$26.9M
	$141.4M#3
$139.9M → +$1.6M
	$2.72B#1
$2.62B → +$94.4M
	–
Loanschart
loans
	$474.2M#2
$434.6M → +$39.6M
	$87.5M#3
$95.8M → −$8.2M
	$2.15B#1
$2.12B → +$33.9M
	–
Member funds (shares and deposits)chart
shares
	$558.1M#2
$535.9M → +$22.1M
	$113.2M#3
$112.3M → +$920K
	$2.26B#1
$2.16B → +$104.9M
	–
Net worthchart
networth
	$63.4M#2
$59.8M → +$3.6M
	$26.7M#3
$26.2M → +$546K
	$222.1M#1
$216.7M → +$5.4M
	–
Memberschart
members
	27,435#2
34,533 → -7,098
	17,055#3
19,916 → -2,861
	184,024#1
173,210 → +10,814
	–
Full-time staffchart
fte
	88#2
85 → +3
	39#3
40 → -1
	495#1
501 → -6
	–
CAPITAL AND EARNINGS
Net worth ratiochart
nwr
	9.7%#2p36
9.5% → +0.2 pts
	18.9%#1p94
18.7% → +0.2 pts
	8.2%#3p6
8.3% → -0.1 pts
	10.4%
Return on assets, annualizedchart
roa
	0.34%#2p24
0.07% → +0.27 pts
	0.80%#1p56
0.47% → +0.33 pts
	0.03%#3p5
-0.11% → +0.14 pts
	0.62%
Net interest marginchart
nim_pct
	3.31%#2p39
2.93% → +0.38 pts
	4.99%#1p96
5.43% → -0.44 pts
	3.09%#3p36
3.14% → -0.05 pts
	–
Operating expense / assetschart
opex_pct
	2.98%#1p20
3.17% → -0.19 pts
	5.45%#3p92
5.58% → -0.13 pts
	5.01%#2p99
5.33% → -0.32 pts
	–
ASSET QUALITY
Total delinquencychart
total_dq_pct
	0.23%#1p14
0.22% → +0.01 pts
	1.64%#3p89
2.62% → -0.98 pts
	1.47%#2p94
1.30% → +0.17 pts
	0.59%
Net charge-offs, annualizedchart
total_nco_pct
	0.59%#1p66
0.52% → +0.07 pts
	1.97%#3p98
2.18% → -0.21 pts
	1.20%#2p92
1.07% → +0.13 pts
	0.42%
Vehicle delinquencychart
veh_dq_pct
	0.37%#1p30
0.26% → +0.11 pts
	1.72%#3p87
2.77% → -1.05 pts
	1.39%#2p88
1.47% → -0.08 pts
	0.58%
Vehicle charge-offs, annualizedchart
veh_nco_pct
	1.85%#1p80
1.11% → +0.74 pts
	2.02%#3p91
1.83% → +0.19 pts
	1.96%#2p84
1.70% → +0.26 pts
	0.83%
Repossessed % of vehicle bookchart
repo_pct_veh
	0.04%#1p48
0.15% → -0.11 pts
	0.77%#3p97
1.34% → -0.57 pts
	0.05%#2p40
0.03% → +0.02 pts
	–
Allowance for credit losseschart
allowance_eff
	$4.2M#2
$4.0M → +$176K
	$3.4M#3
$3.7M → −$274K
	$17.5M#1
$16.3M → +$1.1M
	–
GROWTH AND MEMBERS (BUSINESS DEVELOPMENT)
Members, year over yearchart
members_yoy
	-20.6%#3p1
22.1% → -42.7 pts
	-14.4%#2p1
0.8% → -15.2 pts
	6.2%#1p85
6.1% → +0.1 pts
	1.0%
Core shares % of member fundschart
core_pct_shares
	56%#2
57% → -1 pts
	68%#1
70% → -1 pts
	44%#3
43% → +1 pts
	–
LOAN PENETRATION (LENDING)
Loans outstanding per 100 memberschart
loan_pen
	63%#2
49% → +13 pts
	65%#1
64% → +1 pts
	54%#3
56% → -3 pts
	–
Loans granted per 100 members, annualizedchart
granted_pen
	13%#3
7% → +6 pts
	18%#2
5% → +14 pts
	33%#1
36% → -3 pts
	–
Average loan balancechart
avg_loan_bal
	$28K#1
$26K → +$2K
	$8K#3
$7K → +$361
	$22K#2
$22K → +$190
	–
Loans per full-time employeechart
loans_per_fte
	195#3
200 → -5
	286#1
320 → -34
	199#2
195 → +4
	–
Loans granted, annualizedchart
granted_ann
	$149.3M#2
$219.9M → −$70.6M
	$26.6M#3
$17.5M → +$9.2M
	$1.30B#1
$1.26B → +$41.8M
	–
STRUCTURE AND FUNDING
Loans / shareschart
ltos
	85%#2p62
81% → +4 pts
	77%#3p65
85% → -8 pts
	95%#1p80
98% → -3 pts
	–
Cash / assetschart
cash_pct
	12.3%#2
11.9% → +0.5 pts
	33.2%#1
27.6% → +5.5 pts
	3.2%#3
3.5% → -0.3 pts
	–
Borrowings / assetschart
borrow_pct
	5.33%#2
7.15% → -1.82 pts
	0.00%#1
0.00% → +0.00 pts
	6.37%#3
7.44% → -1.07 pts
	–
Certificates % of member fundschart
cert_pct_shares
	20%#3
20% → +0 pts
	23%#2
22% → +1 pts
	44%#1
43% → +0 pts
	–
LOAN MIX
Vehicles % of loanschart
veh_pct_loans
	20%#3p26
17% → +3 pts
	61%#1p85
68% → -8 pts
	42%#2p81
42% → -0 pts
	–
Indirect vehicle % of vehicle (all-channel basis before 2022)chart
ind_pct_veh
	57%#2
60% → -3 pts
	69%#1
74% → -6 pts
	0%#3
0% → +0 pts
	–
Indirect, all channels, % of loanschart
ind_pct_loans
	11%#2
10% → +1 pts
	42%#1
51% → -9 pts
	2%#3
9% → -7 pts
	–
Third-party paper % of net worthchart
tp_pct_nw
	106%#2p52
72% → +33 pts
	137%#3p76
186% → -49 pts
	19%#1p17
86% → -67 pts
	–
Real estate % of loanschart
re_pct_loans
	69%#1
73% → -4 pts
	19%#3
17% → +3 pts
	37%#2
39% → -2 pts
	–
Credit cards % of loanschart
cc_pct_loans
	4%#2
4% → -0 pts
	7%#1
7% → +0 pts
	2%#3
2% → -0 pts
	–
Commercial % of loanschart
comm_pct_loans
	0%#3
0% → +0 pts
	7%#2
2% → +4 pts
	8%#1
7% → +1 pts
	–
PARTICIPATIONS
Participations bought / yrchart
part_buy_ann
	$0#2
$0 → +$0
	$3.0M#1
$0 → +$3.0M
	$0#3
$0 → +$0
	–
Participations sold / yrchart
part_sell_ann
	$0#2
$0 → +$0
	$0#3
$0 → +$0
	$159.6M#1
$88.2M → +$71.4M
	–
THE DESK'S READ
Composite score (of 18)chart
risk_score
	3#1
1 → +2
	7#2
8 → -1
	7#3
6 → +1
	–
Flags firingchart
n_flags
	0#1
0 → +0
	0#2
0 → +0
	0#3
0 → +0
	–

#1 is the best value among the institutions on this table where better is defined (higher net worth, earnings and margin; lower cost, losses, borrowings and score). Size and mix rows are ranked high to low without a claim that higher is better. Percentile chips are computed in the latest quarter only. Year-earlier values are the same quarter four cycles back. Departed institutions show their last filing and blanks after it. Source: NCUA 5300 call report, 2026-03; every measure's formula and account codes are one click away on the tape read.