Bakersfield City Employees
Bakersfield, CA · Charter 1339 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
$30.1MAssets
$14.0MLoans
$26.4MShares
$3.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of credit unions under $1B in assets in CA (rank 5 of 62).
- Widest gap: efficiency ratio trails 73% of credit unions under $1B in assets in CA (rank 47 of 63).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.38%
Rank 40 of 63
Net Interest Margin
3.43%
Rank 36 of 63
Efficiency Ratio
87.95%
Rank 47 of 63
Equity / Assets
12.10%
Rank 25 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.38% | 0.17% | 0.56% | 1.17% | Beats 37% | 40 / 63 | |
| Return on Equity | 3.13% | 1.81% | 4.79% | 8.64% | Beats 35% | 41 / 63 | |
| Net Interest Margin | 3.43% | 3.18% | 3.49% | 3.98% | Beats 43% | 36 / 63 | |
| Efficiency Ratio | 87.95% | 70.58% | 81.25% | 89.21% | Beats 27% | 47 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.17% | 0.42% | 0.85% | Beats 94% | 5 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.10% | 8.61% | 10.56% | 14.01% | Beats 60% | 25 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.10% | 8.61% | 10.56% | 14.01% | Beats 60% | 25 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 52.78% | 53.46% | 72.75% | 85.33% | 23rd pctl | 48 / 62 | |
| Loans / Assets | 46.35% | 46.35% | 58.08% | 72.17% | 24th pctl | 48 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |