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Overview / Commentary
3000 Clayton Rd
Concord, CA 94519

Pacific Service Credit Union is headquartered in Concord and is the 33rd largest credit union in the state of California. It is also the 193rd largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 104 employees and 57,595 members. Pacific Service Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano or Sonoma County. Also open to those who work at PG&E Corporation or its domestic subsidiaries. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pacific Service Credit Union had $273,000 in non-current loans and owned real-estate with $141.5 million in equity and loan loss allowances on hand to cover it. This gives Pacific Service Credit Union a Texas Ratio of 0.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pacific Service Credit Union decreased dramatically from 0.72% as of March 31, 2013 to 0.19% as of March 31, 2014, resulting in a positive change of 73.04%.This indicates that the balance sheet and financial strength for Pacific Service Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Pacific Service Credit Union has decreased its total deposits by -$1.16 million, resulting in -0.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pacific Service Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pacific Service Credit Union has $1.1 billion in assets with $141.5 million in equity, resulting in a capitalization level of 12.91%, which is excellent.

Institution Statistics

NCUA #68413
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$1.10 billion
Loans$397.12 million
Deposits$944.06 million
Equity Capital$137.86 million
Loan Loss Allowance$3.64 million
Unbacked Noncurrent Loans$273,000
Real Estate Owned$0
Historic Data - March 2013
Assets$1.10 billion
Equity Capital$136.20 million
Loan Loss Allowance$4.94 million
Unbacked Noncurrent Loans$273,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.21%
Return on Equity1.63%
Interest Income$5.82 million

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Pacific Service Credit Union Savings Account Rates

0.10%$50k-Savings Account
0.10%$50k-IRA Savings
0.10%$50k-Roth Savings
0.10%$50k-Education Savings Accounts (ESA)

Pacific Service Credit Union Money Market Rates

0.20%$75k-Money Market Account
0.20%$75k-IRA Money Market
0.20%$75k-Roth Money Market
0.20%$75k-Education Savings Account (ESA) Money Market

Pacific Service Credit Union Checking Account Rates

0.10%$75k-Plu$ Checking

Pacific Service Credit Union CD Rates

1.25%$100k-5-Year CD
1.25%$100k-5-Year Youth CD
1.00%$100k-4-Year CD
1.00%$100k-4-Year Youth CD
0.80%$100k-3-Year CD
0.80%$100k-3-Year Youth CD
0.55%$100k-30-Month Add-on CD
0.55%$100k-30-Month Add-on Youth CD
0.50%$100k-2-Year CD
0.50%$100k-2-Year Youth CD
0.40%$100k-1-Year CD
0.40%$100k-18-Month Bump-up CD
0.40%$100k-1-Year Youth CD
0.40%$100k-18-Month Bump-up Youth CD
0.30%$100k-6-Month CD
0.30%$100k-6-Month Youth CD

Pacific Service Credit Union IRA Rates

1.25%$100k-5-Year IRA
1.00%$100k-4-Year IRA
0.80%$100k-3-Year IRA
0.55%$100k-30-Month Add-on IRA
0.50%$100k-2-Year IRA
0.40%$100k-1-Year IRA
0.40%$100k-18-Month Bump-up IRA
0.30%$100k-6-Month IRA

Pacific Service Credit Union Locations
Branch Office25 Beale StSan Francisco, CA 941051872
Branch Office3000 Clayton RdConcord, CA 94519
Branch Office102 E Nees AveFresno, CA 937204312
Branch Office2051 Contra Costa BlvdPleasant Hill, CA 945233301
Branch Office2800 Kitty Hawk RdLivermore, CA 945517666