BlastPoint's Credit Union Scorecard
PATELCO
Charter #68579 · CA
PATELCO has 3 strengths but faces 7 concerns
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 7.2% YoY
- + Member Growth Rate: Top 3.4% in tier
- + Members Per Employee (MPE): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 53.1% in tier
- - Credit Quality Pressure: Bottom 59.4% in tier
- - Indirect Auto Dependency: Bottom 84.4% in tier
- - Shrinking Wallet Share: Bottom 96.9% in tier
- - ROA 0.67% below tier average
- - Efficiency ratio 5.76% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
543,881
+7.2% YoY+2.6% QoQ
|
+107.0K |
436,889
-2.3% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$9.6B
+1.5% YoY-0.3% QoQ
|
+$707.4M |
$8.9B
-0.1% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$7.1B
+4.4% YoY+0.7% QoQ
|
+$955.5M |
$6.1B
-1.1% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
79% |
| Deposits |
$8.3B
+2.3% YoY+0.9% QoQ
|
+$633.2M |
$7.7B
+1.8% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
0.3%
+119.5% YoY-18.0% QoQ
|
-0.7% |
0.9%
+16.3% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.4% in tier |
| NIM |
2.8%
+16.8% YoY+9.6% QoQ
|
-0.2% |
3.1%
+6.3% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
71.8%
-3.4% YoY-2.3% QoQ
|
+5.8% |
66.1%
-2.8% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
0.6%
+0.9% YoY-19.2% QoQ
|
+0.0 |
0.6%
+12.0% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
85.7%
+2.1% YoY-0.2% QoQ
|
+5.3% |
80.4%
-3.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$28,297
-3.6% YoY-1.8% QoQ
|
$-9K |
$37,056
+6.8% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
23.8%
-17.4% YoY-5.3% QoQ
|
-4.8% | 28.6% | 21.6% | 19.8% | 29% |
| Indirect Auto % |
20.9%
+9.2% YoY+1.7% QoQ
|
+4.5% | 16.4% | 9.0% | 7.7% | 61% |
Signature Analysis
Strengths (0)
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)