BlastPoint's Credit Union Scorecard
PATELCO
Charter #68579 · CA
PATELCO has 2 strengths but faces 8 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
- + Strong member growth: 5.8% YoY
- + Members Per Employee (MPE): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.8% in tier
- - Credit Risk Growth: Bottom 70.3% in tier
- - Indirect Auto Dependency: Bottom 71.9% in tier
- - Shrinking Wallet Share: Bottom 96.9% in tier
- - ROA 0.62% below tier average
- - Efficiency ratio 4.26% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Fee Income Per Member: Bottom 3.6% 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 28 credit unions with $7B-$10B in assets nationally, and 1 of 5 that size in California.
- Shares and deposits +2.5% year over year ($8.22B in shares and deposits).
- Membership: 542,150 members, +5.8% vs a year ago.
- Delinquency rate 1.03%.
- Return on assets 0.41%.
- Efficiency ratio 70.33% vs a 66.07% peer average.
- Loan-to-share ratio 86.28% vs a 81.29% 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 |
542,150
+5.8% YoY-0.3% QoQ
|
+103.3K |
438,885
-1.1% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$9.8B
+3.9% YoY+1.6% QoQ
|
+$850.7M |
$8.9B
+0.0% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 14.3% in tier |
| Loans |
$7.1B
+2.7% YoY-0.1% QoQ
|
+$878.5M |
$6.2B
-0.6% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$8.2B
+2.5% YoY-0.8% QoQ
|
+$566.3M |
$7.7B
+2.7% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
0.4%
+125.5% YoY+50.1% QoQ
|
-0.6% |
1.0%
+4.7% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.3% in tier |
| NIM |
2.9%
+14.8% YoY+1.0% QoQ
|
-0.2% |
3.1%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
70.3%
-6.9% YoY-2.1% QoQ
|
+4.3% |
66.1%
+1.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
1.0%
+55.9% YoY+65.1% QoQ
|
+0.2 |
0.8%
+23.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
86.3%
+0.1% YoY+0.7% QoQ
|
+5.0% |
81.3%
-3.8% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$28,253
-3.0% YoY-0.2% QoQ
|
$-9K |
$37,279
+8.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
23.4%
-9.6% YoY-1.6% QoQ
|
-4.9% | 28.3% | 22.2% | 20.0% | 30% |
| Indirect Auto % |
21.0%
+8.0% YoY+0.5% QoQ
|
+4.2% | 16.8% | 9.2% | 7.7% | 61% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)