WPublic & Societal BenefitEIN: 946061277· Ruling Year: 1961

Pacific Service Credit Union

Concord, California

BHealth Score
55B

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Above Average

3-point penalty for stale filing data

How This Organization Compares

Compared to 9 peers in Public & Societal Benefit with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org4.44×
Peer Median11.38×
💰
$45.1M
Total Revenue
📊
$40.5M
Total Expenses
🏦
$180.1M
Net Assets
📋
$1.2B
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
-4.9%
Year-over-year change (2020 → 2021)
Net Margin
+10.2%
Revenue minus expenses as % of revenue
Working Capital Ratio
4.44
Net assets divided by total expenses
Liabilities-to-Assets
87.2%
Total liabilities as % of total assets

Filing History

11 filings on record
YearRevenueExpensesAssets
2021$45,146,3515%$40,544,1376%$1,408,244,3906%
2020$47,480,4521%$43,026,7476%$1,322,398,53013%
2019$47,870,88811%$40,571,07915%$1,166,911,8031%
2018$43,219,64817%$35,150,36412%$1,153,544,1921%
2017$36,877,8558%$31,299,6638%$1,162,058,6731%
2016$34,035,5825%$29,024,48011%$1,148,124,1233%
2015$32,565,60512%$26,106,2284%$1,118,482,2373%
2014$29,154,4896%$25,223,1122%$1,084,862,0011%
2013$27,538,8416%$25,754,6197%$1,072,706,453
2012$29,325,62614%$27,714,64615%$1,073,566,9491%
2011$33,911,991$32,751,160$1,062,381,782

Frequently Asked Questions

What does Pacific Service Credit Union do?

Pacific Service Credit Union is a public & societal benefit nonprofit organization based in California. It is classified under NTEE code W61 and is registered as a 501(c) tax-exempt organization with the IRS.

Is Pacific Service Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Pacific Service Credit Union has a score of 55/100 (Grade: B). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Pacific Service Credit Union generate?

Pacific Service Credit Union reports $75.1M in annual revenue and holds $1.4B in total assets, based on IRS filings.

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Pacific Service Credit Union — Concord, CA | GiveScope