Pacific Service

Concord, CA · 2 · Charter #68413 · www.pacificservice.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.3B
21th percentile
Members
70,779
19th percentile
Total loans
$983.2M
24th percentile
Total shares
$1.1B
22th percentile

Profitability

Return on assets
1.06%
54th percentile
Net interest margin
3.62%
78th percentile
Efficiency ratio
59.64%
19th percentile
Non-interest income ratio
16.59%
36th percentile

Capital & Risk

Net worth ratio
15.21%
94th percentile
Delinquency rate
0.46%
76th percentile
Net charge-off rate
0.64%
33th percentile
Loan-to-share
89.35%
50th percentile

Growth

Member growth YoY
2.20%
49th percentile
Asset growth YoY
-3.97%
4th percentile
Loan growth YoY
-0.33%
18th percentile
Share growth YoY
-2.70%
4th percentile

Operations

Members / branch
11,797
83th percentile
Assets / member
$18,695
57th percentile
Field of membership penetration
0.66%
2th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for Pacific Service?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo