Patelco Credit Union
Total assets
$9.62B
▲ +1.5% YoY
Shares & deposits
$8.29B
▲ +2.3% YoY
Loans
$7.10B
▲ +4.4% YoY
Members
543,881
▲ +7.2% YoY
ROA (annualized)
0.27%
peers 0.71%
ROE (annualized)
2.60%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Patelco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +5.1% | -3.6 pts |
| Share growth (YoY) | +2.3% | +4.9% | -2.6 pts |
| Loan growth (YoY) | +4.5% | +5.4% | -1.0 pts |
| ROA | 0.27% | 0.71% | -0.4 pts |
| ROE | 2.6% | 6.3% | -3.7 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 3 Park Pl, Dublin, CA, 94568
- NCUA charter #
- 68579
- RSSD ID
- 461496
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.62B | $8.29B | $7.10B | $1.01B | $6.6M | 0.27% | 2.83% | 0.62% | 543,881 |
| Q4 2025 | $9.64B | $8.22B | $7.05B | $1.01B | $31.9M | 0.33% | 2.56% | 0.77% | 529,958 |
| Q3 2025 | $9.52B | $8.11B | $7.00B | $1.00B | $20.8M | 0.29% | 2.54% | 0.70% | 520,989 |
| Q2 2025 | $9.41B | $8.02B | $6.91B | $988.0M | $8.6M | 0.18% | 2.50% | 0.66% | 512,374 |
| Q1 2025 | $9.47B | $8.11B | $6.80B | $982.4M | $2.9M | 0.12% | 2.41% | 0.62% | 507,514 |
| Q4 2024 | $9.41B | $7.91B | $6.86B | $979.4M | $6.2M | 0.07% | 2.53% | 0.89% | 498,784 |
| Q3 2024 | $9.53B | $7.85B | $6.86B | $995.4M | $15.8M | 0.22% | 2.56% | 0.84% | 506,920 |
| Q2 2024 | $9.59B | $8.06B | $6.74B | $1.03B | $55.0M | 1.15% | 2.60% | 0.60% | 507,422 |
Loan mix (Q1 2026): real estate $4.46B · commercial $221.3M · consumer $2.40B · securities $1.49B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Patelco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.71% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 6.3% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.32% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 73.0% | 45th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Patelco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Patelco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Patelco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Patelco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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