Strata
Bakersfield, CA · Charter 6032 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
$344.5MAssets
$248.7MLoans
$291.4MShares
$48.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets in CA (rank 7 of 63).
- Widest gap: return on equity trails 75% of credit unions under $1B in assets in CA (rank 47 of 63).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.31%
Rank 42 of 63
Net Interest Margin
4.61%
Rank 7 of 63
Efficiency Ratio
82.25%
Rank 37 of 63
Equity / Assets
14.20%
Rank 15 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.17% | 0.56% | 1.17% | Beats 33% | 42 / 63 | |
| Return on Equity | 2.17% | 1.81% | 4.79% | 8.64% | Beats 25% | 47 / 63 | |
| Net Interest Margin | 4.61% | 3.18% | 3.49% | 3.98% | Beats 89% | 7 / 63 | |
| Efficiency Ratio | 82.25% | 70.58% | 81.25% | 89.21% | Beats 43% | 37 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.17% | 0.42% | 0.85% | Beats 68% | 21 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.20% | 8.61% | 10.56% | 14.01% | Beats 76% | 15 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.20% | 8.61% | 10.56% | 14.01% | Beats 76% | 15 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 85.33% | 53.46% | 72.75% | 85.33% | 74th pctl | 16 / 62 | |
| Loans / Assets | 72.17% | 46.35% | 58.08% | 72.17% | 75th pctl | 16 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |