PACIFIC SERVICE
Charter #68413 · Concord, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.09% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.44% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 78.58% sits at the 75th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 41st — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PACIFIC SERVICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.35B | 22th pct | 49th pct |
| Members | 70,972 | 19th pct | 43th pct |
| Net worth ratio | 15.09% | 93th pct | 92th pct |
| Return on average assets | 0.57% | 37th pct | 41th pct |
| Net interest margin | 3.71% | 73th pct | 41th pct |
| Cost of funds | 1.40% | 32th pct | 36th pct |
| Loan-to-share | 87.12% | 52th pct | 54th pct |
| Delinquency 60+ days | 0.44% | 31th pct | 21th pct |
| Net charge-off ratio | 0.58% | 55th pct | 31th pct |
| Loan growth YoY | -0.76% | 17th pct | 21th pct |
| Share growth YoY | 2.01% | 18th pct | 21th pct |
| Efficiency ratio | 78.58% | 72th pct | 75th pct |
structural peer set hash: 3a7c5d0da0bc396acf396c46828f38c3… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.