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
Call Report peers
PATELCO in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); PATELCO sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in California, SRI (#68) ties at 90/100; one place down, RIZE (#70) ties at 90/100.
PATELCO: 2025Q4 → 2026Q1
PATELCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $9.64B (2025Q4) to $9.62B (2026Q1).
- Net-worth ratio shifted +0.10 pp (10.42% → 10.52%).
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
PATELCO gives up 10 points in total. Return on Assets costs the most, 7.6 of its 15; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is PATELCO financially healthy?
On its 2025Q4 NCUA 5300 filing, PATELCO scores 90/100 (Excellent), with a 10.52% net worth ratio and 0.77% of loans delinquent. It ranks #1,139 of 4,374 nationally on health and #69 of 243 in California.
How does PATELCO compare to other credit unions?
PATELCO scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (85.84% vs 83.90%). Its widest shortfall is net worth ratio (10.52% vs 11.18%).
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?
PATELCO 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. PATELCO's net worth ratio of 10.52% 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.