State credit union · Des Moines, Iowa · NCUA charter #64271
PREMIER
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $374.4M
- Total assets
- 16,367
- Members
- 8.2%
- Net-worth ratio
PREMIER scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $374.4M; members 16,367; net-worth ratio 8.22%; health rank #3,558 of 4,374; healthier than 18th of scored peers.
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PREMIER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PREMIER sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for PREMIER
- Loan-to-Share Ratio leads the peer set - 96.61% here, 72.20% peer average (+24.41 pp).
- Largest lag: Net Worth Ratio at 8.22% vs peer 12.11% (-3.89 pp).
PREMIER in Iowa
- Iowa health ordinal: #56 of 66.
- Assets rank #11 of 66 inside Iowa ($374.4M reported).
- Iowa membership ordinal: #13 of 66.
- One place up in Iowa, Fort Dodge Family (#55) ties at 71/100; one place down, Community 1st (#57) scores 69/100, 2 points lower.
Quarter path for PREMIER
PREMIER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.2% from $374.4M (2025Q4) to $393.9M (2026Q1).
- Net-worth ratio shifted -0.39 pp (8.61% → 8.22%).
This credit union's 8.22% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
PREMIER gives up 29 points in total. Member Growth costs the most, 15 of its 15; Return on Assets loses the least, 1.1.
- Net Worth Ratio 25.5 pts
- Delinquency Rate 19.0 pts
- Return on Assets 13.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.6 pts
PREMIER health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.22% | -3.89 pp |
| Delinquency Rate | 1.13% | +0.24 pp |
| Return on Assets | 0.43% | -0.19 pp |
| Member Growth | -17.32% | - |
| Loan-to-Share Ratio | 96.61% | +24.41 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - PREMIER
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $393.9M | - |
| 2025Q4 | $374.4M | 16,367 |
| 2024Q4 | $338.7M | 19,796 |
| 2023Q4 | $302.8M | 17,874 |
Credit Union Details
- Charter Number
- 64271
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- Des Moines
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for PREMIER, spread across 6 cities.
| Office | City |
|---|---|
| Main Branch (Main Office) | Des Moines, IA |
| Ames | Ames, IA |
| ANKENY | ANKENY, IA |
| Sioux City Branch | Sioux City, IA |
| Urbandale Branch | Urbandale, IA |
| West Des Moines Branch | West Des Moines, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- PREMIER ranks #3,558 of 4,374 nationally on financial health and #56 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members1st Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members1st Community
Frequently Asked Questions
Is PREMIER financially healthy?
On its 2025Q4 NCUA 5300 filing, PREMIER scores 71/100 (Very Good), with a 8.22% net worth ratio and 1.13% of loans delinquent. It ranks #3,558 of 4,374 nationally on health and #56 of 66 in Iowa.
How does PREMIER compare to other credit unions?
PREMIER scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (96.61% vs 72.20%). Its widest shortfall is net worth ratio (8.22% vs 12.11%).
How can I join PREMIER?
Membership eligibility for PREMIER depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PREMIER directly for current membership requirements and application steps.
Is my money safe at PREMIER?
PREMIER is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. PREMIER's net worth ratio of 8.22% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.