PATELCO

Charter #68579 | CA

7B-10B (30 CUs) Large (64 CUs)
5 7B-10B in CA

PATELCO has 3 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 22.9% in tier
  • + Organic Growth Engine: Top 32.4% in tier
  • + Members Per Employee (MPE): Top 6.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 28.3% in tier
  • - ROA 0.74% below tier average
  • - Efficiency ratio 10.09% above tier (higher cost structure)
  • - Delinquency rate 0.02% above tier average
  • - Fee Income Per Member: Bottom 3.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 520,989
+2.8% YoY+1.7% QoQ
 +61.7K 459,296
+3.8% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 67th in tier
Assets $9.5B
-0.1% YoY+1.2% QoQ
 +$597.7M $8.9B
+1.2% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $7.0B
+2.0% YoY+1.2% QoQ
 +$654.1M $6.3B
+2.9% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 70th in tier
Deposits $8.1B
+3.3% YoY+1.1% QoQ
 +$656.0M $7.5B
+2.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 23.3% in tier
ROA 0.3%
+32.7% YoY+61.3% QoQ
 -0.7% 1.0%
+22.1% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 6.7% in tier
NIM 2.6%
+0.2% YoY+2.7% QoQ
 -0.4% 3.0%
+11.5% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 13.3% in tier
Efficiency Ratio 73.8%
+2.4% YoY-2.3% QoQ
 +10.1% 63.7%
-2.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 23.3% in tier
Delinquency Rate 0.7%
-17.3% YoY+5.3% QoQ
 +0.0 0.7%
+10.8% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 50th in tier
Loan To Share 86.3%
-1.3% YoY+0.1% QoQ
 +0.8% 85.4%
+0.7% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 47th in tier
AMR $28,993
-0.1% YoY-0.5% QoQ
 $-5K $33,660
-2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 40th in tier
CD Concentration 25.7%
-16.7% YoY-0.7% QoQ
 -3.1% 28.9%
-1.3% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 33rd in tier
Indirect Auto % 19.7%
+3.8% YoY+1.4% QoQ
 +3.1% 16.6%
-10.3% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 59th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#20 of 28 • Top 22.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.78%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank worsening

Organic Growth Engine

growth
#49 of 50 • Top 32.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.78%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.29%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 19.72%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Concerns (1)

Indirect Auto Dependency

risk
#29 of 33 • Bottom 28.3% in tier

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

Why This Signature
Asset Growth (YoY): -0.07%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Indirect Auto %: 19.72%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.78%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY

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 30 peers in tier

Top Strengths (2 metrics)

3
Members Per Employee (MPE)
engagement
Value: 607.213
Peer Avg: 450.512
#3 of 30 Top 6.7% in 7B-10B tier
7
Total Deposits
balance_sheet
Value: $8.11B
Peer Avg: $7.45B
#7 of 30 Top 20.0% in 7B-10B tier

Top Weaknesses (8 metrics)

30
Fee Income Per Member
profitability
Value: $91.41
Peer Avg: $199.46
#30 of 30 Bottom 3.3% in 7B-10B tier
28
Return on Assets (ROA)
profitability
Value: 0.29%
Peer Avg: 1.03%
#28 of 30 Bottom 10.0% in 7B-10B tier
26
Net Interest Margin (NIM)
profitability
Value: 2.55%
Peer Avg: 3.00%
#26 of 30 Bottom 16.7% in 7B-10B tier
26
Net Worth Ratio
risk
Value: 10.50%
Peer Avg: 12.36%
#26 of 30 Bottom 16.7% in 7B-10B tier
26
First Mortgage Concentration (%)
balance_sheet
Value: 51.74%
Peer Avg: 38.48%
#26 of 30 Bottom 16.7% in 7B-10B tier
24
Efficiency Ratio
profitability
Value: 73.81%
Peer Avg: 63.73%
#24 of 30 Bottom 23.3% in 7B-10B tier
24
Asset Growth Rate
growth
Value: -0.07%
Peer Avg: 2.91%
#24 of 30 Bottom 23.3% in 7B-10B tier
24
Net Charge-Off Rate
risk
Value: 0.84%
Peer Avg: 0.56%
#24 of 30 Bottom 23.3% in 7B-10B tier