Credit Union Safety Analysis
Is Patelco Credit Union Safe? Dublin, California
Based on its Q2 2026 NCUA 5300 call report, Patelco Credit Union has a net worth ratio of 10.49%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.03%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Patelco Credit Union's net worth ratio is 10.49%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.49%
- Delinquency ratio (60+ days) (Q2 2026): 1.03%
- Return on assets (Q2 2026): 0.54%
- Loan-to-share ratio (Q2 2026): 86.28%
Patelco Credit Union (NCUA charter 68579, established 1936) reported $9.77B in assets and 542,150 members for Q2 2026 from Dublin, California. It ranks 5 of 238 credit unions in California by total assets. Total assets grew 3.9% from $9.41B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.52% for Q1 2026; 10.50% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.62% for Q1 2026; 0.66% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.27% for Q1 2026; 0.24% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 85.69% for Q1 2026; 86.17% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.43B
- Used vehicle loans: $947.5M
- New vehicle loans: $838.4M
- Unsecured credit card loans: $328.9M
- Other unsecured loans and lines of credit: $297.8M
- Commercial loans: $230.9M
- Other secured non-real estate loans and lines of credit: $23.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.77B | 10.49% | 1.03% | 0.54% | 86.28% |
| March 31, 2026 | $9.62B | 10.52% | 0.62% | 0.27% | 85.69% |
| December 31, 2025 | $9.64B | 10.42% | 0.77% | 0.46% | 85.84% |
| September 30, 2025 | $9.52B | 10.50% | 0.70% | 0.51% | 86.26% |
| June 30, 2025 | $9.41B | 10.50% | 0.66% | 0.24% | 86.17% |
| March 31, 2025 | $9.47B | 10.36% | 0.62% | 0.12% | 83.89% |
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Free to use. It shows Patelco Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68579) · FFIEC NIC profile (RSSD 461496)
Frequently asked questions
Is Patelco Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Patelco Credit Union's net worth ratio is 10.49%, above the 7% NCUA threshold for well capitalized.
Is Patelco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Patelco Credit Union is a federally insured credit union (NCUA charter 68579): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Patelco Credit Union's key safety ratios?
For Q2 2026, Patelco Credit Union reports net worth 10.49%, delinquency 1.03%, ROA 0.54%, loan-to-share 86.28%.
What happens to my money if Patelco Credit Union fails?
For Q2 2026, Patelco Credit Union held $8.22B in shares and deposits for 542,150 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.