Pacific Service
Concord, CA · Charter 68413 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
$1.3BAssets
$987.6MLoans
$1.1BShares
$206.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of credit unions $1B-$10B in assets (rank 29 of 435).
- Widest gap: efficiency ratio trails 77% of credit unions $1B-$10B in assets (rank 334 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.76%
Rank 242 of 435
Net Interest Margin
3.74%
Rank 110 of 435
Efficiency Ratio
78.21%
Rank 334 of 435
Equity / Assets
15.54%
Rank 29 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.55% | 0.81% | 1.14% | Beats 44% | 242 / 435 | |
| Return on Equity | 4.88% | 5.12% | 7.41% | 9.70% | Beats 23% | 334 / 435 | |
| Net Interest Margin | 3.74% | 3.01% | 3.39% | 3.75% | Beats 75% | 110 / 435 | |
| Efficiency Ratio | 78.21% | 65.25% | 71.39% | 77.86% | Beats 23% | 334 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.45% | 0.69% | 1.05% | Beats 86% | 62 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.54% | 9.81% | 10.84% | 12.63% | Beats 93% | 29 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.54% | 9.81% | 10.84% | 12.63% | Beats 93% | 29 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 90.56% | 78.33% | 88.38% | 95.61% | 57th pctl | 185 / 435 | |
| Loans / Assets | 74.44% | 67.69% | 74.58% | 80.80% | 49th pctl | 220 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |