Patelco
Dublin, CA · Charter 68579 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 37 branches
Q2 2026
$9.8BAssets
$7.1BLoans
$8.2BShares
$1.0BNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 55% of credit unions $1B-$10B in assets (rank 198 of 435).
- Widest gap: net interest margin trails 84% of credit unions $1B-$10B in assets (rank 364 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.41%
Rank 366 of 435
Net Interest Margin
2.83%
Rank 364 of 435
Efficiency Ratio
70.33%
Rank 198 of 435
Equity / Assets
10.49%
Rank 259 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.41% | 0.55% | 0.81% | 1.14% | Beats 16% | 366 / 435 | |
| Return on Equity | 3.88% | 5.12% | 7.41% | 9.70% | Beats 17% | 360 / 435 | |
| Net Interest Margin | 2.83% | 3.01% | 3.39% | 3.75% | Beats 16% | 364 / 435 | |
| Efficiency Ratio | 70.33% | 65.25% | 71.39% | 77.86% | Beats 55% | 198 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.45% | 0.69% | 1.05% | Beats 27% | 320 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.49% | 9.81% | 10.84% | 12.63% | Beats 40% | 259 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.49% | 9.81% | 10.84% | 12.63% | Beats 40% | 259 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 86.28% | 78.33% | 88.38% | 95.61% | 44th pctl | 243 / 435 | |
| Loans / Assets | 72.61% | 67.69% | 74.58% | 80.80% | 41st pctl | 255 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |