Patelco Credit Union Dublin, California
Patelco Credit Union is a state-chartered credit union headquartered in Dublin, CA, established in 1936 (NCUA charter 68579), and it is regulated and insured by the NCUA. At Q2 2026 it reported 542,150 members and total assets of $9.77B (up 3.9% from Q2 2025), the 5th largest of 238 credit unions headquartered in California. Its net worth ratio was 10.49% at Q2 2026, in the well capitalized band.
Also written as Patelco CU · Trade names filed with the NCUA: Patelco, Patelco Insurance Services and Patelco Financial Solutions
BankRegReports is independent of Patelco Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68579
- Headquarters
- Dublin, CA
- Established
- 1936
- Total assets, Q2 2026
- $9.77B
- Assets vs Q2 2025
- +3.9%
- Members, Q2 2026
- 542,150
- Net worth ratio, Q2 2026
- 10.49%
- Latest call report
- Q2 2026, NCUA 5300 · Patelco Credit Union call report
- Asset rank in state
- 5th of 238 in California
- Routing number
- 321076470
- Branches
- 36
It has 29,776 more members than on June 30, 2025 (+5.8%). Its net worth ratio was down 0.01 percentage points from 10.50% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.43B of $7.09B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.03% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.49% net worth ratio is below that band's 10.89% median.
Frequently asked about Patelco Credit Union
How big is Patelco Credit Union?
At Q2 2026 it reported total assets of $9.77B and 542,150 members.
Where is Patelco Credit Union headquartered?
It is headquartered in Dublin, CA, United States.
When was Patelco Credit Union founded?
It was established in 1936, per NCUA records.
Is Patelco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68579): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Patelco Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Patelco Credit Union well capitalized?
Its net worth ratio was 10.49% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Patelco Credit Union's delinquency ratio?
Its delinquency ratio was 1.03% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Patelco Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 86.28% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Dublin, CA 94568
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 68579
- RSSD ID
- 461496
- Members
- 542,150
- Potential members
- 12,301,648
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.49% | 10.89% | 41st below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.54% | 0.89% | 23rd bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.19% | 8.07% | 24th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.88% | 3.45% | 20th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 68.92% | 70.59% | 56th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.84% | 1.68% | 37th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.03% | 0.68% | 26th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.72% | 5.12% | 26th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 86.28% | 88.03% | 46th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.77B total assets against $9.41B; $8.22B total shares and deposits against $8.02B; $7.09B total loans against $6.91B.
$1.03B net worth against $988.0M.
10.49% net worth ratio against 10.50%.
86.28% loan-to-share ratio against 86.17%.
1.03% delinquency ratio against 0.66%.
0.54% return on assets against 0.24%; 5.19% return on equity against 2.29%.
2.88% net interest margin against 2.56%.
542,150 members against 512,374.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.49% | 0.54% | 1.03% | 86.28% |
| March 31, 2026 | 10.52% | 0.27% | 0.62% | 85.69% |
| December 31, 2025 | 10.42% | 0.46% | 0.77% | 85.84% |
| September 30, 2025 | 10.50% | 0.51% | 0.70% | 86.26% |
| June 30, 2025 | 10.50% | 0.24% | 0.66% | 86.17% |
| March 31, 2025 | 10.36% | 0.12% | 0.62% | 83.89% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.