State credit union · Chatsworth, California · NCUA charter #68428
Premier America
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $3.26B
- Total assets
- 116,748
- Members
- 7.8%
- Net-worth ratio
Premier America - Share Insurance Coverage
Charter #68428's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Premier America - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)82
- Asset quality (delinquency)76
- Earnings (ROA)13
- Member growth92
- Liquidity (loan-to-share)96
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.83% | 30% |
| Delinquency Rate | 1.13% | 25% |
| Return on Assets | -0.28% | 15% |
| Member Growth | 4.05% | 15% |
| Loan-to-Share Ratio | 91.39% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.26B | 116,748 |
| 2024Q4 | $3.40B | 112,205 |
| 2023Q4 | $3.47B | 110,927 |
Credit Union Details
- Charter Number
- 68428
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Chatsworth
- Data Quarter
- 2025Q4
What This Data Says About Premier America
Premier America is a state credit union headquartered in Chatsworth, California, serving 116,748 members with $3.26B in total assets and $2.65B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 74/100 (Very Good), anchored by a net worth ratio of 7.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68428 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 1.13% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 91.39% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.28% on net income of $-9035556 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.05%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Premier America financially healthy?
Yes/no aside, the number is 74/100 (Very Good) - Premier America's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.83% net worth ratio and 1.13% delinquency rate are the key drivers.
How does Premier America compare to other credit unions?
Premier America scores 74/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 America?
Membership eligibility for Premier America depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Premier America directly for current membership requirements and application steps.
Is my money safe at Premier America?
Federal credit unions like Premier America 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 America's net worth ratio of 7.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Premier America offer compared to banks?
Credit unions like Premier America 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 America directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.