TellerScore

Pacific Service Credit Union (NCUA charter #68413) is based in Concord, California. Its Q2 2026 call report shows $1.3B in total assets and $1.1B in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, Pacific Service Credit Union scores 82/100, which we describe as strong. That is higher than 91% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 42nd. Its strongest component is capital cushion (100/100; 15.54%), and its lowest is earnings (50/100; 0.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.54%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.35%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity70/100
Loans ÷ shares: 90.6% · 4.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (79 → 82), mostly because the earnings component improved by 12 points.

TellerScore
747882Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202476
Q1 202578
Q2 202579
Q3 202578
Q4 202580
Q1 202680
Q2 202682
Net worth ratio
7.00%11.27%15.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.48%
Q3 202413.45%
Q4 202414.12%
Q1 202514.44%
Q2 202514.92%
Q3 202515.10%
Q4 202515.21%
Q1 202615.09%
Q2 202615.54%
Delinquent loans (60+ days)
0.35%0.44%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.48%
Q4 20240.51%
Q1 20250.43%
Q2 20250.48%
Q3 20250.53%
Q4 20250.46%
Q1 20260.44%
Q2 20260.35%
Return on assets
0.29%0.52%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.32%
Q4 20240.43%
Q1 20250.42%
Q2 20250.45%
Q3 20250.44%
Q4 20250.60%
Q1 20260.56%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$1.3B15.54%0.35%0.76%90.6%
Q1 202680$1.3B15.09%0.44%0.56%87.1%
Q4 202580$1.3B15.21%0.46%0.60%89.3%
Q3 202578$1.3B15.10%0.53%0.44%89.5%
Q2 202579$1.3B14.92%0.48%0.45%88.5%
Q1 202578$1.4B14.44%0.43%0.42%84.8%
Q4 202476$1.4B14.12%0.51%0.43%87.2%
Q3 202474$1.4B13.45%0.48%0.32%86.7%
Q2 202474$1.4B13.48%0.42%0.29%87.0%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.54%
94th
Problem loans0.35%
86th
Net charge-offs0.58%
42nd
Return on assets0.76%
45th
Loans to deposits90.6%
42nd
Uninsured deposits4.5%
90th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
90th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Insurance Federal Credit UnionCredit union Los Angeles, CA49 out of 100, Below average$1.3B9.9%1.57%vs
Southland Credit UnionCredit union Los Alamitos, CA49 out of 100, Below average$1.3B8.6%1.48%vs
Rize Federal Credit UnionCredit union El Monte, CA54 out of 100, Below average$1.3B10.4%0.89%vs
Los Angeles Federal Credit UnionCredit union Glendale, CA69 out of 100, Moderate$1.3B11.4%0.70%vs
American First Credit UnionCredit union Brea, CA68 out of 100, Moderate$1.4B10.1%0.16%vs
Los Angeles Police Federal Credit UnionCredit union Van Nuys, CA70 out of 100, Strong$1.4B11.3%0.51%vs

Deposit insurance

Is my money safe at Pacific Service Credit Union?

Yes. Pacific Service Credit Union is a federally insured credit union (NCUA charter #68413). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.5% of shares and deposits ($49.6M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 15.54%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Pacific Service Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pacific Service Credit Union reported 1,079 home-loan applications under HMDA (LEI 549300XR3B6372SESA46): 657 originated ($90,775,000 total), 175 denied, and 155 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Pacific Service Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68413
RSSD ID
673299
Primary regulator
State + NCUA
Established
1936
Headquarters
1355 Willow Way, STE 200, Concord, CA 94520
Employees
159

Quick answers

Pacific Service Credit Union: common questions

Is Pacific Service Credit Union NCUA insured?

Yes. Pacific Service Credit Union is a federally insured credit union (NCUA charter #68413). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Pacific Service Credit Union's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Pacific Service Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Concord

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Community Federal Credit UnionCredit union San Francisco, CA100 out of 100, Very strong$15.2M32.6%0.00%vs
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Smw 104 Federal Credit UnionCredit union Livermore, CA89 out of 100, Very strong$117.9M12.7%0.32%vs
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%vs
San Francisco Lee Federal Credit UnionCredit union San Francisco, CA85 out of 100, Very strong$10.7M53.3%0.00%vs