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.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,558 of 4,374 health · 2025Q4PREMIER · health 71/100 · $374.4M · 2025Q4
- RANK 71/100
- PHOTO 8.2%
- BOOK 1.13%
- CHARTER 0.43%
- NCUSIF $374.4M
- CAMELS 16,367
- HEALTH #3,558/4,374
- NW PROSPERA
- DELQ 64271
PREMIER in the assets neighbourhood
PREMIER's $374.4M assets sit next to PROSPERA ($374.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PREMIER vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
PREMIER - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64271, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for PREMIER
PREMIER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.2% from $374.4M (2025Q4) to $393.9M (2026Q1).
- Net-worth ratio shifted -0.39 pp (8.61% → 8.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
PREMIER's nationwide photo peers by assets and by health score, excluding Iowa charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($374.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is PREMIER financially healthy?
Yes/no aside, the number is 71/100 (Very Good) - PREMIER's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,558 of 4,374; by total assets it ranks #908 of 4,374 nationally (same basis as /rankings/largest); and #11 of 66 within Iowa. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.22% net worth ratio and 1.13% delinquency rate are the key drivers.
How does PREMIER compare to other credit unions?
On PlainCU's health composite, PREMIER lands at 71/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like PREMIER are 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."
What rates does PREMIER offer compared to banks?
Credit unions like PREMIER are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact PREMIER directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.