# PACIFIC SERVICE
Concord, CA · NCUA charter 68413 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pacific-service-68413

Who the members are: state charter, organized 1936. 70,972 members of 10,714,743 potential (0.7% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.35B |
| Members | 70,972 (2.1% YoY) |
| Full-time staff | 149 |
| Net worth | $203.1M |
| Net worth ratio | 15.1% (p93 of band) |
| ROA (annualized) | 0.56% (p38 of band) |
| Total delinquency | 0.44% (p32 of band) |
| Net charge-offs (annualized) | 0.58% (p57 of band) |
| Loans / shares | 87% (p52 of band) |
| Cash / assets | 5.0% |
| Borrowings / assets | 0.74% |
| Net interest margin | 3.68% (p75 of band) |
| Operating expense / assets | 3.44% (p64 of band) |
| Vehicles % of loans | 27% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 102% (p40 of band) |
| Vehicle delinquency | 0.60% (p53 of band) |
| Vehicle NCO | 0.30% (p9 of band) |
| Repossessed % of vehicle book | 0.17% (p78 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 26% |
| Average share balance | $8,405 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.3M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $21,632 |
| Loans granted, annualized | $232.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.3M outstanding purchased (0.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -2.4% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | 3rd-party paper>100% NW |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | 3rd-party paper>100% NW, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 2 | 3rd-party paper>100% NW |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | leaning on borrowings |  |
| 2023-03 | 4 | net worth falling |  |
| 2023-06 | 2 |  | leaning on borrowings, net worth falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | leaning on borrowings |  |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 | assets shrinking | delinquency rising, leaning on borrowings |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-10 [Credit unions will celebrate International Credit Union Day on October 16 - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxPckt0VllqUzd1TlFFRzlZLU9ZZDFQQTRKRFJPMDJ5RENVaHF1X1dIelgzdlJLeFJ6YTk5Vjd2a3dxUDdydGZfODFKQl9IOXhsT2NWcVNuV09zUlJGbzRYc2Y3RmtMOUc2aVRsbDFoSnhWRDdHZ2IxRVJiREJONXh0RGVKSFJfU0dzbmt0ckVVTTNTOTlfTzdORzh2Z0RtMzlmdDFDaUIydFZqT3FHbGpWRUw5bzM?oc=5) · CUInsight
- 2024-10-11 [Most Influential Women: Jenna Lampson - The Business Journals](https://news.google.com/rss/articles/CBMi1gFBVV95cUxObjZ3cmNjMUhzZEg5SWlscG16TnhjcHBOeGI2M25KWjY2OEx5bXFnR09KV2dtaXM3YW1kUGVoa0hWejFDc01BZW95UWhOekRsRUpBWHZXeXdwZVBuaWZfNFVGQlVMNHd0VjRnYVhfbVp4WFFlOHVtYk9rVkdQa3dxcHF1ZHBzck1GcEpIMXRvUTVjSFpOalJBS0JNTFo1SG1EMmlpTXNPVUhHVGpFNVlMNDRHR0lDNVpMN0o3cnhSenNtdVQ1dUlwR21KVlJsODlqVkFmYTRB?oc=5) · The Business Journals
- 2020-08-26 [Pacific Service Credit Union lines up next CEO - americanbanker.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPb3B4STNKV3Zmc3RxUk1QSFIzRXZMNnVIUHNIZzk4NGFXOTYtX0VQUi1oMm8zTVhySUZOUHM2cHFVdnlRZWJtcnp5ek5rZm5ra0c0V0prWW1pc3IzY29NdUhTX0Y4YmJhYjBIRGdlcnFDTFJlbTFHWEV3d1M5Vl9TeThNbDFtdTNobm5CMW5Ja3JTYndNUTBTWjhjaw?oc=5) · americanbanker.com
- 2024-05-13 [Garrett Burns Obituary - Vacaville, CA - thereporter.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE16SjZKeWx6blowc3Y3NW9zQUNpUzZ4RGJBTWRGU1JwaUJrN2lBandPbWRjck5vM3J6VnNkYTR3a3NobldzMHMxMlJrZURGd1BCWGFDVjNNZU1YR1V3NG9MVU1fa195QkNGd3A4QjRpX3Y3TV9Wb1Q4Rw?oc=5) · thereporter.com
- 2020-01-21 [Oakland Man Sentenced to More than 8 Years In Prison For 19 Bank Robberies in Northern California - East County Today](https://news.google.com/rss/articles/CBMixAFBVV95cUxQLXV3SzlVT2JRcVVyS3BNcVZzS1ZMOUNqUzhYLTdJZHgxZVJOY0hXb1Y5RHVMU3RjQ1JyblVka1FkYWhNY0Y5NFE1NEFxUE45MWxmelpaVEpjRG5TeDgycndqUDlwa3g1MV96Z01STnVDUzhtMF9nNTUtT1RqYl9uUGdPRC05NGlQSFpnV0ZuYU1Vb3d6VDhZTWxpNGpOM3dZaHpfRHRmc0JWNk9tdHJYLUlSVjdwUHI0N0pmZTdmSXdoSmtq?oc=5) · East County Today
- 2024-04-15 [Concord's Music & Market Series Returns This Summer; See Lineup - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxOa25PQnR0YnRzbkYwQmdmVG80LTh4XzZQV0Ric21zbFBCTjRxRmZ1N2xWX1pwWnVmODJiQ2xlbFFFM0llbmxRQmVIRnBQQXU4QXBmaWlralM0eXRmbVQ2M0JxeElLRzN3bEQ3bVo2SVV0QnMyYjNvbHgxajdXeEtxWWRJNkFxd0RVX05RTEpRMnoxSHhMYUhyT2FB?oc=5) · Patch
- 2017-12-26 [Good Neighbors by Faith Barnidge: Community service recognized throughout the year - eastbaytimes.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPN09Ybl9KNG1lZzNnSnJmNHdFUTVMcWg3aUxPOWNjd0FpemF1WXk1bWpteDREMkdWbVNFWHpSc3JJcy1fUXdYWjI5aHd6cnJDUmFYRjRRWHZGS2VMMXdaT0ZkeUlXNFRiUWpDa04zTkU2RXpSb2FsVWlPcno1S3pzS3Fn0gGHAUFVX3lxTE5XTUp3dE04eFdvcFdpcndYLVVoN09MZFpQMXMxSDNLYTBqalVEN3l4Y2xCVFc3ZncyaXBFb3JLdjNSRTd0VmtRbnZ4SGxQaElMeTlONUtDSmdwT1hUdm8tRktYcVhTeVBVR1VoQ3psSmRqRVlnTjlmS1M3VTdNZy0yTkUxRWxCYw?oc=5) · eastbaytimes.com
- 2024-01-26 [Deputy Shot | Sex Offender Arrest: Union City, East Bay Crime News - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxQNF9ERVRHdEo3akVqa2dxODIwTnFBOEp1THNmclBqa3hPeWkwNEU4RmtyYjVkYWJid2pWSEM3MU83MDZRVllNS243VS1tQ08tRG0xTDVpamhQQ0pzUmJJTnhtOFNSOUNrQ3VnaER0N3R5Wno5ellvUjk4Nkt6ajlMQkM4X1Q2RUhuWEN3OEJmc2pQTW1yaGYxd1BCNTIzZVE2SmRN?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68413 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/61.json (key "68413", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68413
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide