PATELCO
Charter #68579 · Dublin, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 543,881 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.27% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.82% sits at the 16th percentile of structural peers — worth a closer look.
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 | PATELCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.62B | 93th pct | 84th pct |
| Members | 543,881 | 95th pct | 89th pct |
| Net worth ratio | 10.52% | 45th pct | 46th pct |
| Return on average assets | 0.27% | 13th pct | 11th pct |
| Net interest margin | 2.82% | 18th pct | 16th pct |
| Cost of funds | 2.22% | 73th pct | 70th pct |
| Loan-to-share | 85.69% | 47th pct | 41th pct |
| Delinquency 60+ days | 0.62% | 50th pct | 39th pct |
| Net charge-off ratio | 0.65% | 62th pct | 52th pct |
| Loan growth YoY | 1.53% | 46th pct | 40th pct |
| Share growth YoY | 2.20% | 20th pct | 22th pct |
| Efficiency ratio | 71.82% | 47th pct | 44th pct |
structural peer set hash: 599f48674466d1c2af45209695c8f10b… (reproducible)
Closest structural peers
This is the free public view
Claim PATELCO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.