Patelco Credit Union (68579), a $9.5B credit union headquartered in Dublin, CA, led by CEO Mendez, reported 520,989 members at the end of 2025 Q3, an increase of 14,069 members (+2.8%) compared to the same quarter last year.
Stable membership suggests mature market positioning with focus on deepening existing relationships rather than aggressive acquisition.
Per-Member Economics
Patelco Credit Union's 520,989 members maintain an average of $16K in deposits and $13K in loans. Membership growing faster than per-member balances suggests successful acquisition of newer members who haven't yet consolidated accounts.
Membership Trends
Consistent quarterly member additions demonstrate sustainable acquisition momentum.
Quarterly Membership Trend
| Period | Members | QoQ Change | Assets/Member |
|---|---|---|---|
| 2024 Q2 | 507,422 | $19K | |
| 2024 Q3 | 506,920 | -0.1% | $19K |
| 2024 Q4 | 498,784 | -1.6% | $19K |
| 2025 Q1 | 507,514 | +1.8% | $19K |
| 2025 Q2 | 512,374 | +1.0% | $18K |
| 2025 Q3 | 520,989 | +1.7% | $18K |
Source: NCUA 5300 Call Reports
Field of Membership Penetration
Patelco Credit Union has a defined field of membership comprising 12,302,718 potential members. With 520,989 current members, the credit union achieves a 4.2% penetration rate, representing significant untapped growth potential.
Historical Context: Since the 2008 Crisis
Patelco Credit Union's membership has grown 77% since Q3 2008, when the financial crisis peaked. At that time, the credit union served 295,059 members.
This sustained membership expansion reflects successful community engagement and competitive positioning over nearly two decades.
Peer Comparison
Among 79 credit unions in its $4.8B–$14.3B asset peer group, Patelco Credit Union ranks in the 41st percentile for membership growth.
Outlook
With positive membership momentum, Patelco Credit Union is positioned to leverage its growing base for cross-selling opportunities and deposit gathering. Key factors to watch include member retention rates, new member activation, and competitive dynamics in CA.
Patelco Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether membership growth can accelerate.
Track This Credit Union
Monitor Patelco Credit Union's quarterly membership trends, per-member economics, and engagement metrics with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Per-member metrics calculated by dividing totals by member count.