State credit union · Dublin, California · NCUA charter #68579
PATELCO
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $9.64B
- Total assets
- 529,958
- Members
- 10.5%
- Net-worth ratio
PATELCO scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.64B; members 529,958; net-worth ratio 10.52%; health rank #1,139 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,139 of 4,374 health · 2025Q4PATELCO · health 90/100 · $9.64B · 2025Q4
- ASSETS 90/100
- MEM 10.5%
- RANK 0.77%
- PHOTO 0.06%
- BOOK $9.64B
- CHARTER 529,958
- NCUSIF #1,139/4,374
- CAMELS Wright-Patt Credit Union, Inc.
- HEALTH 68579
Call Report peers
PATELCO in the assets neighbourhood
PATELCO's $9.64B assets sit next to Wright-Patt Credit Union, Inc. ($9.56B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PATELCO vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% 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
PATELCO - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68579 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where PATELCO diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 85.84% here, 83.90% peer average (+1.94 pp).
- Net Worth Ratio trails the peer set - 10.52% here, 11.18% peer average (-0.66 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
PATELCO: in-state Call Report ranks
- Health composite ranks #69 of 243 among scored California credit unions.
- By total assets, PATELCO is #6 of 243 in California.
- California membership ordinal: #4 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PATELCO: 2025Q4 → 2026Q1
PATELCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $9.64B (2025Q4) to $9.62B (2026Q1).
- Net-worth ratio shifted +0.10 pp (10.42% → 10.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.3 pts
- Return on Assets 7.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
PATELCO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.52% | -0.66 pp |
| Delinquency Rate | 0.77% | -0.10 pp |
| Return on Assets | 0.06% | -0.44 pp |
| Member Growth | 6.25% | - |
| Loan-to-Share Ratio | 85.84% | +1.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
PATELCO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.62B | - |
| 2025Q4 | $9.64B | 529,958 |
| 2024Q4 | $9.41B | 498,784 |
| 2023Q4 | $9.71B | 496,307 |
Credit Union Details
- Charter Number
- 68579
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Dublin
- Data Quarter
- 2025Q4
Branch Locations (36)
The NCUA branch filing lists 36 physical offices for PATELCO, spread across 32 cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | Dublin, CA |
| BERKELEY | Berkeley, CA |
| BRENTWOOD | Brentwood, CA |
| CAMPBELL | Campbell, CA |
| CASTRO VALLEY | Castro Valley, CA |
| CITRUS HEIGHTS | Citrus Heights, CA |
| CONCORD | Concord, CA |
| DALY CITY | Daly City, CA |
| DANVILLE | Danville, CA |
| DUBLIN | Dublin, CA |
| ELK GROVE | Elk Grove, CA |
| FAIRFIELD | Fairfield, CA |
| FOLSOM | Folsom, CA |
| FREMONT | Fremont, CA |
| HAYWARD | Hayward, CA |
| LAFAYETTE | Lafayette, CA |
| LIVERMORE | Livermore, CA |
| MILPITAS | Milpitas, CA |
| NOVATO | Novato, CA |
| OAKLAND | Oakland, CA |
| OAKLAND - CITY CENTER | Oakland, CA |
| REDWOOD CITY | Redwood City, CA |
| ROHNERT PARK | Rohnert Park, CA |
| ROSEVILLE | Roseville, CA |
| SACRAMENTO | Sacramento, CA |
| SAN BRUNO | San Bruno, CA |
| SAN FRANCISCO - DOWNTOWN | San Francisco, CA |
| SAN FRANCISCO - SUNSET | San Francisco, CA |
| SAN JOSE - EAST | San Jose, CA |
| SAN JOSE - ALMADEN | San Jose, CA |
| SAN LEANDRO | San Leandro, CA |
| SAN MATEO | San Mateo, CA |
| SAN RAMON - CITY CENTER | San Ramon, CA |
| SANTA ROSA | Santa Rosa, CA |
| SUNNYVALE | Sunnyvale, CA |
| WALNUT CREEK | Walnut Creek, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Cross-state Call Report peers for PATELCO
Cross-state asset and health neighbours for PATELCO - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($9.64B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- PATELCO ranks #1,139 of 4,374 nationally on financial health and #69 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LOGIX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LOGIX
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is PATELCO financially healthy?
PATELCO scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,139 of 4,374; by total assets it ranks #29 of 4,374 nationally (same basis as /rankings/largest); and #6 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.52% net worth ratio and a 0.77% delinquency rate.
How does PATELCO compare to other credit unions?
Five weighted metrics from NCUA filings produce PATELCO's 90/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join PATELCO?
Membership eligibility for PATELCO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PATELCO directly for current membership requirements and application steps.
Is my money safe at PATELCO?
Federal credit unions like PATELCO are 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. PATELCO's net worth ratio of 10.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PATELCO offer compared to banks?
Credit unions like PATELCO are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact PATELCO directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.