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
- NW 88/100
- DELQ 12.0%
- ROA 0.20%
- ASSETS 1.12%
- MEM $28.8M
- RANK 2,046
- PHOTO #1,455/4,374
- BOOK GATEWAY
- CHARTER 1339
Call Report peers
Bakersfield City Employees in the assets neighbourhood
Bakersfield City Employees's $28.8M assets sit next to GATEWAY ($28.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Bakersfield City Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1339 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Bakersfield City Employees: 2025Q4 → 2026Q1
Bakersfield City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $28.8M (2025Q4) to $29.4M (2026Q1).
- Net-worth ratio shifted +0.05 pp (11.98% → 12.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Bakersfield City Employees, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($28.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Bakersfield City Employees financially healthy?
A 12.03% net worth ratio and a 0.20% delinquency rate feed into Bakersfield City Employees's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,455 of 4,374; by total assets it ranks #2,883 of 4,374 nationally (same basis as /rankings/largest); and #208 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Bakersfield City Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Bakersfield City Employees's 88/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Bakersfield City Employees are 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."
What rates does Bakersfield City Employees offer compared to banks?
Credit unions like Bakersfield City Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Bakersfield City Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.