State credit union · Broomfield, Colorado · NCUA charter #62574

Premier Members

Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.

71
Health / 100
$4.07B
Total assets
206,803
Members
2.7%
Net-worth ratio

Premier Members - Share Insurance Coverage

Charter #62574'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.

NCUSIF coverage gauge for Premier Members Share insurance under NCUSIF covers up to $250,000 per share owner. Premier Members holds approximately $3.4B in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 2.7 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 2.7% · $3.4B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Premier Members - 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) 2.66% 30% weight
  • Asset quality (delinquency) 0.43% 25% weight
  • Earnings (ROA) 0.10% 15% weight
  • Member growth 163.98% 15% weight
  • Liquidity (loan-to-share) 89% 15% weight

Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 17.7%

This institution's 2.66% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.

$4.07B
Total Assets
206,803
Members
$3.03B
Total Loans
$3.41B
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 2.66% 30%
Delinquency Rate 0.43% 25%
Return on Assets 0.10% 15%
Member Growth 163.98% 15%
Loan-to-Share Ratio 88.81% 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 $4.07B 206,803
2024Q4 $1.81B 78,341
2023Q4 $1.74B 77,211

Credit Union Details

Charter Number
62574
Type
State
Field of Membership
Other
Peer Group
Over $500M
State
Colorado
City
Broomfield
Data Quarter
2025Q4

What This Data Says About Premier Members

Headquartered in Broomfield, Colorado, Premier Members is a state credit union with 206,803 members, $4.07B in total assets, and $3.03B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 71/100 (Very Good), driven in part by a net worth ratio of 2.66% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #62574 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.

Deposits deployed into lending sit at a 88.81% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.43% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.10% on net income of $4.0M 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 163.98%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.

Nearby Credit Unions in Colorado

A look at other Colorado credit unions, ranked by how closely their peer group and asset size match this one.

Compare Premier Members vs ELEVATIONS

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 Members financially healthy?

Premier Members has a financial health score of 71/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 2.66% and delinquency rate of 0.43%.

How does Premier Members compare to other credit unions?

Premier Members scores 71/100 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 Members?

Membership eligibility for Premier Members depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Premier Members directly for current membership requirements and application steps.

Is my money safe at Premier Members?

Federal credit unions like Premier Members 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 Members's net worth ratio of 2.66% is relative to the 7% threshold NCUA considers "well capitalized."

What rates does Premier Members offer compared to banks?

Credit unions like Premier Members 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 Members 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.