TellerScore

Premier One Credit Union is a federally insured state-chartered credit union headquartered in San Jose, California, in business for about 58 years. At the end of Q2 2026 it reported $655.7M in total assets and $556.5M in member shares and deposits, with 4 offices.

Premier One Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 145th. Problem-loan coverage contributes the most (96/100, 2.0%); earnings contributes the least (36/100, 0.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.71%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.25%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity73/100
Loans ÷ shares: 86.9% · 10.7% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (63 → 65), mostly because the earnings component improved by 5 points.

TellerScore
636567Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202466
Q4 202467
Q1 202563
Q2 202563
Q3 202565
Q4 202565
Q1 202665
Q2 202665
Net worth ratio
7.00%8.38%9.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.88%
Q3 20249.20%
Q4 20249.75%
Q1 20259.48%
Q2 20259.51%
Q3 20259.59%
Q4 20259.65%
Q1 20269.65%
Q2 20269.71%
Delinquent loans (60+ days)
0.22%0.39%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20240.41%
Q4 20240.55%
Q1 20250.22%
Q2 20250.31%
Q3 20250.22%
Q4 20250.38%
Q1 20260.23%
Q2 20260.25%
Return on assets
0.07%0.47%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.47%
Q3 20240.86%
Q4 20240.87%
Q1 20250.07%
Q2 20250.28%
Q3 20250.45%
Q4 20250.55%
Q1 20260.34%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$655.7M9.71%0.25%0.40%86.9%
Q1 202665$656.4M9.65%0.23%0.34%85.0%
Q4 202565$650.3M9.65%0.38%0.55%86.5%
Q3 202565$639.5M9.59%0.22%0.45%86.8%
Q2 202563$631.6M9.51%0.31%0.28%83.0%
Q1 202563$629.5M9.48%0.22%0.07%81.1%
Q4 202467$611.2M9.75%0.55%0.87%83.0%
Q3 202466$634.0M9.20%0.41%0.86%82.3%
Q2 202463$627.0M8.88%0.32%0.47%83.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.71%
23rd
Problem loans0.25%
85th
Net charge-offs0.50%
35th
Return on assets0.40%
24th
Loans to deposits86.9%
24th
Uninsured deposits10.7%
14th
Loan-loss reserves0.00%
50th
Texas ratio2.0%
75th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Commonwealth Central Credit UnionCredit union San Jose, CA80 out of 100, Strong$624.9M14.2%0.41%vs
Excite Credit UnionCredit union San Jose, CA51 out of 100, Below average$613.8M6.9%0.54%vs
I.L.W.U. Federal Credit UnionCredit union Long Beach, CA67 out of 100, Moderate$607.5M9.9%0.89%vs
Mypoint Credit UnionCredit union San Diego, CA58 out of 100, Moderate$704.5M8.6%0.27%vs
Uncle Credit UnionCredit union Livermore, CA54 out of 100, Below average$716.1M8.3%0.60%vs
Cabrillo Credit UnionCredit union San Diego, CA59 out of 100, Moderate$573.5M9.5%0.92%vs

Deposit insurance

Is my money safe at Premier One Credit Union?

Yes. Premier One Credit Union is a federally insured credit union (NCUA charter #68540). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.7% of shares and deposits ($59.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.71%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Premier One Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Premier One Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68540
RSSD ID
197384
Primary regulator
State + NCUA
Established
1968
Headquarters
6640 Via Del Oro, San Jose, CA 95119
Employees
92

Quick answers

Premier One Credit Union: common questions

Is Premier One Credit Union NCUA insured?

Yes. Premier One Credit Union is a federally insured credit union (NCUA charter #68540). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Premier One Credit Union's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Premier One Credit Union have?

4 offices as of the latest NCUA data.