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Overview / Commentary
17541 East 17th St.
Tustin, CA 92780

Patriots Credit Union is headquartered in Tustin and is the 169th largest credit union in the state of California. It is also the 1,779th largest credit union in the nation. It was established in 1962 and as of March of 2014, it had grown to 22 employees and 6,661 members. Patriots Credit Union has a C- health rating.

Field of Membership Restrictions

Must live, work or worship in the State of Califonia or be an employee of one of the several partner companies. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Patriots Credit Union has a relatively low asset base.

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 Patriots Credit Union had $1.77 million in non-current loans and owned real-estate with $5.32 million in equity and loan loss allowances on hand to cover it. This gives Patriots Credit Union a Texas Ratio of 33.35% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Patriots Credit Union increased slightly from 14.10% as of March 31, 2013 to 33.35% as of March 31, 2014, resulting in a negative change of 136.54%. This indicates that the balance sheet and financial strength for Patriots Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Patriots Credit Union has decreased its total deposits by -$6.24 million, resulting in -7.72% 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 Patriots Credit Union has shown is below 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. Patriots Credit Union has $78.63 million in assets with $5.32 million in equity, resulting in a capitalization level of 6.76%, which is below average.

Institution Statistics

NCUA #14785
Year Chartered1962
Primary Regulator
Assets and Liabilities
Assets$78.63 million
Loans$51.36 million
Deposits$74.63 million
Equity Capital$3.63 million
Loan Loss Allowance$1.69 million
Unbacked Noncurrent Loans$1.77 million
Real Estate Owned$0
Historic Data - March 2013
Assets$85.17 million
Equity Capital$5.98 million
Loan Loss Allowance$408,000
Unbacked Noncurrent Loans$1.77 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-5%
Return on Equity-108.33%
Interest Income$891,000

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Patriots Credit Union Savings Account Rates

0.50%$50k-Coverdell IRA
0.50%$50k-Roth IRA
0.50%$50k-Traditional IRA

Patriots Credit Union Money Market Rates

0.25%$50k-Money Management

Patriots Credit Union Checking Account Rates


Patriots Credit Union CD Rates

0.60%$1k-5 Year Share Term Certificate
0.45%$1k-4 Year Share Term Certificate
0.40%$1k-3 Year Share Term Certificate
0.30%$1k-2 Year Share Term Certificate
0.25%$1k-18 Month Share Term Certificate
0.20%$1k-1 Year Share Term Certificate
0.18%$1k-6 Month Share Term Certificate
0.10%$1k-3 Month Share Term Certificate

Patriots Credit Union IRA Rates

0.60%$1k-5 Year IRA Certificate
0.45%$1k-4 Year IRA Certificate
0.40%$1k-3 Year IRA Certificate
0.30%$1k-2 Year IRA Certificate
0.25%$1k-18 Month IRA Certificate
0.20%$1k-1 Year IRA Certificate
0.18%$1k-6 Month IRA Certificate
0.10%$1k-3 Month IRA Certificate

Patriots Credit Union Locations
Branch Office431 N Tustin Ave Ste ASanta Ana, CA 92705-3821
Corporate Office17541 East 17th St.Tustin, CA 92780