BlastPoint's Credit Union Scorecard

PATELCO

Charter #68579 · CA

Large 7B-10B
33 CUs in 7B-10B nationally 7 in CA
View Large leaderboard →

PATELCO has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 56.6% in tier
  • + Strong member growth: 6.2% YoY
  • + Members Per Employee (MPE): Top 6.1% in tier
  • + Member Growth Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 41.7% in tier
  • - Indirect Auto Dependency: Bottom 97.1% in tier
  • - ROA 0.63% below tier average
  • - Efficiency ratio 8.68% above tier (higher cost structure)
  • - Delinquency rate 0.05% above tier average
  • - Fee Income Per Member: Bottom 3.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 529,958
+6.2% YoY+1.7% QoQ
 +84.0K 445,922
+0.4% YoY
 60,320
+5.7% YoY
 33,374
+5.7% YoY
 76%
Assets $9.6B
+2.4% YoY+1.3% QoQ
 +$711.5M $8.9B
+0.9% YoY
 $1.3B
+6.2% YoY
 $561.6M
+9.7% YoY
 76%
Loans $7.1B
+2.8% YoY+0.8% QoQ
 +$794.5M $6.3B
+0.8% YoY
 $856.7M
+6.3% YoY
 $397.0M
+8.8% YoY
 76%
Deposits $8.2B
+3.9% YoY+1.3% QoQ
 +$696.5M $7.5B
+1.2% YoY
 $1.1B
+7.1% YoY
 $477.3M
+9.7% YoY
 85%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.3%
+408.8% YoY+13.6% QoQ
 -0.6% 1.0%
+27.8% YoY
 0.5%
+14.3% YoY
 0.7%
+15.9% YoY
 Bottom 6.1% in tier
NIM 2.6%
+2.6% YoY+0.9% QoQ
 -0.4% 3.0%
+12.0% YoY
 3.3%
+7.0% YoY
 3.8%
+5.1% YoY
 18%
Efficiency Ratio 73.5%
-3.9% YoY-0.5% QoQ
 +8.7% 64.8%
-2.3% YoY
 80.7%
-1.8% YoY
 79.7%
-3.3% YoY
 76%
Delinquency Rate 0.8%
-13.1% YoY+10.9% QoQ
 +0.1 0.7%
+5.5% YoY
 0.7%
-40.0% YoY
 1.3%
-2.1% YoY
 52%
Loan To Share 85.8%
-1.0% YoY-0.5% QoQ
 +2.4% 83.4%
-0.6% YoY
 68.6%
-1.3% YoY
 67.4%
-1.7% YoY
 54%
AMR $28,809
-2.7% YoY-0.6% QoQ
 $-5K $34,266
-1.7% YoY
 $28,728
+2.4% YoY
 $19,687
+2.0% YoY
 33%
CD Concentration 25.1%
-17.1% YoY-2.3% QoQ
 -4.0% 29.1% 21.7% 19.8% 30%
Indirect Auto % 20.5%
+8.0% YoY+4.1% QoQ
 +3.4% 17.1% 9.2% 7.8% 58%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#31 of 54 • Top 56.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.25%
(Tier: 4.35%, National: 4.32%)
better than tier avg
Return on Assets: 0.33%
(Tier: 0.90%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 20.53%
(Tier: 17.09%, National: 7.78%)
but worse than tier avg
54 of 68 Large CUs have this signature | 913 nationally
→ No prior data (54 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline
#6 of 13 • Bottom 41.7% in tier

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

Why This Signature
AMR Growth (YoY): -2.67%
(Tier: 3.92%, National: 4.00%)
worse than tier avg
13 of 68 Large CUs have this signature | 303 nationally
→ Stable (16→13 CUs) -3 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#34 of 35 • Bottom 97.1% in tier

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

Why This Signature
Asset Growth (YoY): 2.42%
(Tier: 8.38%, National: 3.54%)
worse than tier avg
Indirect Auto %: 20.53%
(Tier: 17.09%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 6.25%
(Tier: 4.35%, National: 4.32%)
but better than tier avg
35 of 68 Large CUs have this signature | 745 nationally
→ Stable (35→35 CUs) | 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 33 peers in tier

Top Strengths (6 metrics)

3
Members Per Employee (MPE)
engagement
Value: 624.950
Peer Median: -
#3 of 33 Top 6.1% in 7B-10B tier
4
Member Growth Rate
growth
Value: 6.25%
Peer Median: -
#4 of 33 Top 9.1% in 7B-10B tier
5
Total Deposits
balance_sheet
Value: $8.22B
Peer Median: -
#5 of 33 Top 12.1% in 7B-10B tier
8
Total Assets
balance_sheet
Value: $9.64B
Peer Median: -
#8 of 33 Top 21.2% in 7B-10B tier
8
Total Loans
balance_sheet
Value: $7.05B
Peer Median: -
#8 of 33 Top 21.2% in 7B-10B tier
8
Total Members
engagement
Value: 529,958
Peer Median: -
#8 of 33 Top 21.2% in 7B-10B tier

Top Weaknesses (8 metrics)

33
Fee Income Per Member
profitability
Value: $92.94
Peer Median: -
#33 of 33 Bottom 3.0% in 7B-10B tier
31
Return on Assets (ROA)
profitability
Value: 0.33%
Peer Median: -
#31 of 33 Bottom 9.1% in 7B-10B tier
29
AMR Growth Rate
growth
Value: -2.67%
Peer Median: -
#29 of 33 Bottom 15.2% in 7B-10B tier
29
First Mortgage Concentration (%)
balance_sheet
Value: 51.37%
Peer Median: -
#29 of 33 Bottom 15.2% in 7B-10B tier
28
Net Worth Ratio
risk
Value: 10.42%
Peer Median: -
#28 of 33 Bottom 18.2% in 7B-10B tier
27
Net Interest Margin (NIM)
profitability
Value: 2.58%
Peer Median: -
#27 of 33 Bottom 21.2% in 7B-10B tier
27
Net Charge-Off Rate
risk
Value: 0.76%
Peer Median: -
#27 of 33 Bottom 21.2% in 7B-10B tier
26
Efficiency Ratio
profitability
Value: 73.48%
Peer Median: -
#26 of 33 Bottom 24.2% in 7B-10B tier
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