Health Score
80/100
PlainCU 5-factor composite (NCUA 5300 Call Report)
Credit Union
SAFE 1
Health Score
80/100
Total Assets
$1.11B
Members
88,136
BAKERSFIELD, California
2026 data Public-data reference. official source
SAFE 1
Open-data reference.
80
Health Score
Excellent
Charter #
61598
NCUA-issued institution identifier
Source
NCUA
Quarterly 5300 Call Report — 2025Q4
SAFE 1 — Share Insurance Coverage
Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.
SAFE 1 — Five Health Pillars
Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.
Health Pillars (0-100)
Net worth ratio vs. NCUA well-capitalized threshold 97.9%
At 14.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
$1.11B
Total Assets
88,136
Members
$829.0M
Total Loans
$920.5M
Total Deposits
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.68% | 30% |
| Delinquency Rate | 0.39% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | 4.77% | 15% |
| Loan-to-Share Ratio | 90.06% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.11B | 88,136 |
| 2024Q4 | $1.00B | 84,124 |
| 2023Q4 | $1.04B | 81,521 |
Credit Union Details
- Charter Number
- 61598
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- BAKERSFIELD
- Data Quarter
- 2025Q4
What This Data Says About SAFE 1
SAFE 1 is a state credit union headquartered in BAKERSFIELD, California, serving 88,136 members with $1.11B in total assets and $829.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 80/100 (Excellent), anchored by a net worth ratio of 14.68% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #61598 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality and earnings power round out the picture. The delinquency rate of 0.39% measures loans 60+ days past due against total loans outstanding — the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 90.06% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management.
Every deposit account at SAFE 1 is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by 4.77%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Other), and current deposit and loan rates should be verified directly with SAFE 1 before opening any account or borrowing.
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Related Financial Data
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is SAFE 1 financially healthy?
SAFE 1 has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.68% and delinquency rate of 0.39%.
How does SAFE 1 compare to other credit unions?
SAFE 1 scores 80/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 SAFE 1?
Membership eligibility for SAFE 1 depends on its field of membership — currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SAFE 1 directly for current membership requirements and application steps.
Is my money safe at SAFE 1?
Federal credit unions like SAFE 1 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. SAFE 1's net worth ratio of 14.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SAFE 1 offer compared to banks?
Credit unions like SAFE 1 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 SAFE 1 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology — how this data is sourced, computed, and verified.