Federal credit union · BAKERSFIELD, California · NCUA charter #1339
Bakersfield City Employees
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $28.8M
- Total assets
- 2,046
- Members
- 12.0%
- Net-worth ratio
Bakersfield City Employees scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.8M; members 2,046; net-worth ratio 12.03%; health rank #1,455 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,455 of 4,374 health · 2025Q4Bakersfield City Employees · health 88/100 · $28.8M · 2025Q4
Call Report peers
Bakersfield City Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bakersfield City Employees vs every NCUA-scored credit union
Bakersfield City Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Bakersfield City Employees: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.20% vs peer 1.15% (-0.95 pp).
- Net Worth Ratio trails the peer set - 12.03% here, 14.86% peer average (-2.83 pp).
Bakersfield City Employees in California
- Health composite ranks #89 of 243 among scored California credit unions.
- By total assets, Bakersfield City Employees is #208 of 243 in California.
- California membership ordinal: #202 of 243.
- One place up in California, Santa Barbara County (#88) ties at 88/100; one place down, Employees Choice (#90) ties at 88/100.
Bakersfield City Employees: 2025Q4 → 2026Q1
Bakersfield City Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $28.8M (2025Q4) to $29.4M (2026Q1).
- Net-worth ratio shifted +0.05 pp (11.98% → 12.03%).
At 12.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Bakersfield City Employees gives up 12 points in total. Member Growth costs the most, 9.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 12.6 pts
Bakersfield City Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.03% | -2.83 pp |
| Delinquency Rate | 0.20% | -0.95 pp |
| Return on Assets | 1.12% | +0.41 pp |
| Member Growth | -2.01% | - |
| Loan-to-Share Ratio | 59.20% | -0.60 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Bakersfield City Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.4M | - |
| 2025Q4 | $28.8M | 2,046 |
| 2024Q4 | $29.3M | 2,088 |
| 2023Q4 | $31.1M | 2,181 |
Credit Union Details
- Charter Number
- 1339
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- California
- City
- BAKERSFIELD
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Bakersfield City Employees.
| Office | City |
|---|---|
| Main Office-BCEFCU (Main Office) | Bakersfield, CA |
| Strata Credit Union | Bakersfield, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Bakersfield City Employees
Using this data
- Bakersfield City Employees ranks #1,455 of 4,374 nationally on financial health and #89 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sun Pacific is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sun Pacific
Frequently Asked Questions
Is Bakersfield City Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Bakersfield City Employees scores 88/100 (Excellent), with a 12.03% net worth ratio and 0.20% of loans delinquent. It ranks #1,455 of 4,374 nationally on health and #89 of 243 in California.
How does Bakersfield City Employees compare to other credit unions?
Bakersfield City Employees scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.20% vs 1.15%). Its widest shortfall is net worth ratio (12.03% vs 14.86%).
How can I join Bakersfield City Employees?
Bakersfield City Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Bakersfield City Employees directly for the current list of qualifying groups.
Is my money safe at Bakersfield City Employees?
Bakersfield City Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Bakersfield City Employees's net worth ratio of 12.03% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.