BlastPoint's Credit Union Scorecard
PACIFIC SERVICE
Charter #68413 · CA
PACIFIC SERVICE has 3 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 54.9% in tier
- + Net Interest Margin 0.29% above tier average
- + Net Worth Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 43.5% in tier
- - Shrinking Wallet Share: Bottom 87.1% in tier
- - Indirect Auto Dependency: Bottom 87.4% in tier
- - Deposit Outflow: Bottom 93.5% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 5.19% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 8.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits -1.7% year over year ($1.09B in shares and deposits).
- Membership: 70,615 members, +1.2% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 0.75%.
- Efficiency ratio 78.21% vs a 73.02% peer average.
- Loan-to-share ratio 90.56% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,615
+1.2% YoY-0.5% QoQ
|
-26.2K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$1.3B
+0.2% YoY-1.4% QoQ
|
$-397.6M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$987.6M
+0.6% YoY+1.0% QoQ
|
$-246.7M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$1.1B
-1.7% YoY-2.8% QoQ
|
$-372.8M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.8%
+70.2% YoY+34.1% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
3.7%
+6.2% YoY+1.0% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
78.2%
-2.8% YoY-0.5% QoQ
|
+5.2% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.3%
-27.8% YoY-20.9% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 15.0% in tier |
| Loan To Share |
90.6%
+2.4% YoY+3.9% QoQ
|
+5.8% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$29,429
-1.8% YoY-0.5% QoQ
|
$-146 |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
25.7%
-7.4% YoY+0.6% QoQ
|
-3.4% | 29.1% | 22.2% | 20.0% | 36% |
| Indirect Auto % |
20.5%
+1.8% YoY+2.5% QoQ
|
+2.4% | 18.1% | 9.2% | 7.7% | 62% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)