Patelco Credit Union (NCUA charter #68579) is based in Dublin, California. Its Q2 2026 call report shows $9.8B in total assets and $8.2B in member shares and deposits and 35 offices.
Patelco Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 25% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 175th. Problem-loan coverage contributes the most (85/100, 7.4%); earnings contributes the least (36/100, 0.41%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 60 |
| Q4 2024 | 58 |
| Q1 2025 | 61 |
| Q2 2025 | 61 |
| Q3 2025 | 62 |
| Q4 2025 | 61 |
| Q1 2026 | 63 |
| Q2 2026 | 60 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.78% |
| Q3 2024 | 10.44% |
| Q4 2024 | 10.40% |
| Q1 2025 | 10.36% |
| Q2 2025 | 10.50% |
| Q3 2025 | 10.50% |
| Q4 2025 | 10.42% |
| Q1 2026 | 10.52% |
| Q2 2026 | 10.49% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.62% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.62% |
| Q2 2026 | 1.03% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $9.8B | 10.49% | 1.03% | 0.41% | 86.3% |
| Q1 2026 | 63 | $9.6B | 10.52% | 0.62% | 0.27% | 85.7% |
| Q4 2025 | 61 | $9.6B | 10.42% | 0.77% | 0.33% | 85.8% |
| Q3 2025 | 62 | $9.5B | 10.50% | 0.70% | 0.29% | 86.3% |
| Q2 2025 | 61 | $9.4B | 10.50% | 0.66% | 0.18% | 86.2% |
| Q1 2025 | 61 | $9.5B | 10.36% | 0.62% | 0.12% | 83.9% |
| Q4 2024 | 58 | $9.4B | 10.40% | 0.89% | 0.07% | 86.7% |
| Q3 2024 | 60 | $9.5B | 10.44% | 0.84% | 0.22% | 87.4% |
| Q2 2024 | 71 | $9.6B | 10.78% | 0.60% | 1.15% | 83.6% |
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).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Star One Credit UnionCredit union Sunnyvale, CA | 77 out of 100, Strong | $9.7B | 14.1% | 0.13% | vs |
| Logix Federal Credit UnionCredit union Valencia, CA | 75 out of 100, Strong | $9.7B | 15.7% | 1.08% | vs |
| San Diego County Credit UnionCredit union San Diego, CA | 86 out of 100, Very strong | $9.5B | 19.8% | 0.20% | vs |
| Mission Federal Credit UnionCredit union San Diego, CA | 81 out of 100, Strong | $7.3B | 12.3% | 0.15% | vs |
| Kinecta Federal Credit UnionCredit union Manhattan Beach, CA | 58 out of 100, Moderate | $6.8B | 8.7% | 0.46% | vs |
| Wescom Central Credit UnionCredit union Pasadena, CA | 59 out of 100, Moderate | $6.6B | 7.9% | 0.43% | vs |
Deposit insurance
Is my money safe at Patelco Credit Union?
Yes. Patelco Credit Union is a federally insured credit union (NCUA charter #68579). 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 6.2% of shares and deposits ($506.0M) 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 10.49%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
35 locations
Branches
Patelco Credit Union lists 35 offices in 31 cities. Most locations:
- Dublin, CA (2)
- Oakland, CA (2)
- San Francisco, CA (2)
- San Jose, CA (2)
- Berkeley, CA (1)
- Brentwood, CA (1)
- Castro Valley, CA (1)
- Citrus Heights, CA (1)
- Concord, CA (1)
- Daly City, CA (1)
- Danville, CA (1)
- Elk Grove, CA (1)
HMDA 2025
Mortgage lending
In 2025, Patelco Credit Union reported 3,956 home-loan applications under HMDA (LEI 549300EM6UG8HE3P8U74): 1,846 originated ($632,600,000 total), 388 denied, and 1,635 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.7%, 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
- Patelco Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68579
- RSSD ID
- 461496
- Primary regulator
- State + NCUA
- Established
- 1936
- Headquarters
- 3 Park Pl, Dublin, CA 94568
- Employees
- 851
Quick answers
Patelco Credit Union: common questions
Is Patelco Credit Union NCUA insured?
Yes. Patelco Credit Union is a federally insured credit union (NCUA charter #68579). 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 Patelco Credit Union's TellerScore?
60 out of 100 (Moderate), 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 Patelco Credit Union have?
35 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Dublin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Smw 104 Federal Credit UnionCredit union Livermore, CA | 89 out of 100, Very strong | $117.9M | 12.7% | 0.32% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |
| Pacific Service Credit UnionCredit union Concord, CA | 82 out of 100, Strong | $1.3B | 15.5% | 0.35% | vs |