BlastPoint's Credit Union Scorecard
PATELCO
Charter #68579 · CA
PATELCO has 3 strengths but faces 5 concerns
How does the industry compare?
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How does CA stack up?
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
|
67% |
| 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
|
70% |
| 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
|
70% |
| 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
|
77% |
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| 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
|
77% |
| 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
|
50% |
| 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
|
47% |
| 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
|
40% |
| 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
|
33% |
| 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
|
59% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
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)