State credit union · Concord, California · NCUA charter #68413
Pacific Service
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $1.32B
- Total assets
- 70,779
- Members
- 15.1%
- Net-worth ratio
Pacific Service scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.32B; members 70,779; net-worth ratio 15.09%; health rank #228 of 4,374; healthier than 93rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#228 of 4,374 health · 2025Q4Pacific Service · health 96/100 · $1.32B · 2025Q4
Call Report peers
Pacific Service in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pacific Service vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Pacific Service sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Pacific Service vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 89.35% vs peer 83.90% (+5.45 pp).
- Largest lag: Return on Assets at 0.45% vs peer 0.51% (-0.06 pp).
Pacific Service: in-state Call Report ranks
- Health composite ranks #16 of 243 among scored California credit unions.
- California assets place: #52 of 243.
- Member book place in California: #52 of 243.
- One place up in California, Santa Maria Associated Employees (#15) scores 97/100, 1 point higher; one place down, STRATA (#17) ties at 96/100.
How Pacific Service's 5300 filing moved
Pacific Service: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $1.32B (2025Q4) to $1.35B (2026Q1).
- Net-worth ratio shifted -0.12 pp (15.21% → 15.09%).
At 15.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Pacific Service gives up 4 points in total. Member Growth costs the most, 3.4 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.2 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.09% | +3.91 pp |
| Delinquency Rate | 0.46% | -0.42 pp |
| Return on Assets | 0.45% | -0.06 pp |
| Member Growth | 2.20% | - |
| Loan-to-Share Ratio | 89.35% | +5.45 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Pacific Service
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.35B | - |
| 2025Q4 | $1.32B | 70,779 |
| 2024Q4 | $1.38B | 69,254 |
| 2023Q4 | $1.46B | 68,662 |
Credit Union Details
- Charter Number
- 68413
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Concord
- Data Quarter
- 2025Q4
Branch Locations (6)
Pacific Service operates 6 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Concord (Main Office) | Concord, CA |
| Clovis | Clovis, CA |
| Fresno | Fresno, CA |
| Livermore | Livermore, CA |
| Pleasant Hill | Pleasant Hill, CA |
| San Ramon | San Ramon, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Pacific Service nationwide neighbourhoods
Similar total assets
Using this data
- Pacific Service ranks #228 of 4,374 nationally on financial health and #16 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOUTHLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOUTHLAND
Frequently Asked Questions
Is Pacific Service financially healthy?
On its 2025Q4 NCUA 5300 filing, Pacific Service scores 96/100 (Excellent), with a 15.09% net worth ratio and 0.46% of loans delinquent. It ranks #228 of 4,374 nationally on health and #16 of 243 in California.
How does Pacific Service compare to other credit unions?
Pacific Service scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.35% vs 83.90%). Its widest shortfall is return on assets (0.45% vs 0.51%).
How can I join Pacific Service?
Membership eligibility for Pacific Service depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Pacific Service directly for current membership requirements and application steps.
Is my money safe at Pacific Service?
Pacific Service is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Pacific Service's net worth ratio of 15.09% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.