PACIFIC SERVICE

Charter #68413 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

PACIFIC SERVICE has 4 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 23.6% in tier
  • + Organic Growth Engine: Top 31.3% in tier
  • + Net Interest Margin 0.34% above tier average
  • + Net Worth Ratio: Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 7.3% in tier
  • - Deposit Outflow: Bottom 9.0% in tier
  • - Liquidity Overhang: Bottom 11.8% in tier
  • - Capital Constraint: Bottom 15.2% in tier
  • - Efficiency Drag: Bottom 21.0% in tier
  • - Credit Quality Pressure: Bottom 22.0% in tier
  • - Indirect Auto Dependency: Bottom 32.0% in tier
  • - ROA 0.26% below tier average
  • - Efficiency ratio 6.34% above tier (higher cost structure)
  • - Asset Growth Rate: Bottom 3.0% in tier
  • - Deposit Growth Rate: Bottom 4.3% in tier
  • - AMR Growth Rate: Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 70,503
+1.9% YoY+1.0% QoQ
 -28.2K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 27th in tier
Assets $1.3B
-8.5% YoY-0.5% QoQ
 $-402.5M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 31st in tier
Loans $984.9M
-1.2% YoY+0.4% QoQ
 $-248.2M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 36th in tier
Deposits $1.1B
-4.3% YoY-0.9% QoQ
 $-354.5M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 31st in tier
ROA 0.4%
+35.0% YoY-0.7% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 26th in tier
NIM 3.6%
+20.0% YoY+2.9% QoQ
 +0.3% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 73rd in tier
Efficiency Ratio 80.3%
-5.4% YoY-0.1% QoQ
 +6.3% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 74th in tier
Delinquency Rate 0.5%
+9.6% YoY+9.8% QoQ
 -0.3 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 33rd in tier
Loan To Share 89.5%
+3.3% YoY+1.2% QoQ
 +4.4% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 54th in tier
AMR $29,569
-4.6% YoY-1.3% QoQ
 +$397 $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 62nd in tier
CD Concentration 27.2%
-2.2% YoY-1.9% QoQ
 -1.8% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 44th in tier
Indirect Auto % 20.1%
-3.9% YoY+0.0% QoQ
 +1.3% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 57th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#126 of 184 • Top 23.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.44%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 1.87%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#228 of 246 • Top 31.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.87%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.44%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 20.13%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (7)

Shrinking Wallet Share

decline
#23 of 83 • Bottom 7.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.65%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Deposit Outflow

decline
#12 of 25 • Bottom 9.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -4.31%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $1.32B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | Rank improving

Liquidity Overhang

risk
#39 of 113 • Bottom 11.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.10%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 89.55%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Capital Constraint

risk
#6 of 9 • Bottom 15.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 89.55%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -4.31%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 15.10%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
9 of 380 Mid-Market CUs have this signature | 29 nationally
↓ Shrinking -9 CUs YoY | New qualifier

Efficiency Drag

risk
#70 of 96 • Bottom 21.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.32%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.11% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 1.87%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#169 of 217 • Bottom 22.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#198 of 202 • Bottom 32.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -8.49%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 20.13%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.87%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

24
Net Worth Ratio
risk
Value: 15.10%
Peer Avg: 11.44%
#24 of 304 Top 7.6% in 1B-3B tier
40
Members Per Employee (MPE)
engagement
Value: 454.858
Peer Avg: 364.953
#40 of 304 Top 12.8% in 1B-3B tier

Top Weaknesses (6 metrics)

296
Asset Growth Rate
growth
Value: -8.49%
Peer Avg: 4.83%
#296 of 304 Bottom 3.0% in 1B-3B tier
292
Deposit Growth Rate
growth
Value: -4.31%
Peer Avg: 5.58%
#292 of 304 Bottom 4.3% in 1B-3B tier
286
AMR Growth Rate
growth
Value: -4.65%
Peer Avg: 3.29%
#286 of 304 Bottom 6.2% in 1B-3B tier
266
Fee Income Per Member
profitability
Value: $137.21
Peer Avg: $210.52
#266 of 304 Bottom 12.8% in 1B-3B tier
247
Loan Growth Rate
growth
Value: -1.18%
Peer Avg: 5.27%
#247 of 304 Bottom 19.1% in 1B-3B tier
229
First Mortgage Concentration (%)
balance_sheet
Value: 42.63%
Peer Avg: 34.01%
#229 of 304 Bottom 25.0% in 1B-3B tier