Safe 1
Bakersfield, CA · Charter 61598 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
$1.2BAssets
$890.8MLoans
$963.8MShares
$186.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of credit unions $1B-$10B in assets (rank 16 of 435).
- Widest gap: net interest margin trails 27% of credit unions $1B-$10B in assets (rank 116 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.74%
Rank 17 of 435
Net Interest Margin
3.71%
Rank 116 of 435
Efficiency Ratio
53.38%
Rank 16 of 435
Equity / Assets
16.03%
Rank 22 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.74% | 0.55% | 0.81% | 1.14% | Beats 96% | 17 / 435 | | |
| Return on Equity | 10.85% | 5.12% | 7.41% | 9.70% | Beats 83% | 72 / 435 | | |
| Net Interest Margin | 3.71% | 3.01% | 3.39% | 3.75% | Beats 73% | 116 / 435 | | |
| Efficiency Ratio | 53.38% | 65.25% | 71.39% | 77.86% | Beats 97% | 16 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.45% | 0.69% | 1.05% | Beats 84% | 70 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.03% | 9.81% | 10.84% | 12.63% | Beats 95% | 22 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.03% | 9.81% | 10.84% | 12.63% | Beats 95% | 22 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.42% | 78.33% | 88.38% | 95.61% | 63rd pctl | 162 / 435 | | |
| Loans / Assets | 76.70% | 67.69% | 74.58% | 80.80% | 58th pctl | 184 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |