State credit union · BAKERSFIELD, California · NCUA charter #61598
Safe 1
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $1.11B
- Total assets
- 88,136
- Members
- 16.2%
- Net-worth ratio
Safe 1 scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.11B; members 88,136; net-worth ratio 16.16%; health rank #11 of 4,374; healthier than 99th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#11 of 4,374 health · 2025Q4Safe 1 · health 100/100 · $1.11B · 2025Q4
- CHARTER 100/100
- NCUSIF 16.2%
- CAMELS 0.39%
- HEALTH 1.23%
- NW $1.11B
- DELQ 88,136
- ROA #11/4,374
- ASSETS First Source
- MEM 61598
Call Report peers
Safe 1 in the assets neighbourhood
Safe 1's $1.11B assets sit next to First Source ($1.10B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Safe 1 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
100 Top 1% higher than 99% 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
Safe 1 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61598, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Safe 1: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 90.06% vs peer 83.90% (+6.16 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Safe 1 in California
- Health composite ranks #2 of 243 among scored California credit unions.
- California assets place: #62 of 243.
- California membership ordinal: #37 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.
Safe 1: 2025Q4 → 2026Q1
Safe 1: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $1.11B (2025Q4) to $1.12B (2026Q1).
- Net-worth ratio shifted +0.24 pp (15.92% → 16.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.7 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.16% | +4.98 pp |
| Delinquency Rate | 0.39% | -0.48 pp |
| Return on Assets | 1.23% | +0.72 pp |
| Member Growth | 4.77% | - |
| Loan-to-Share Ratio | 90.06% | +6.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Safe 1 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.12B | - |
| 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
Branch Locations (11)
Safe 1 operates 11 offices across 7 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Bakersfield, CA |
| Centurion | Allen, TX |
| Vital Records Center | Bakersfield, CA |
| Granite Falls | Bakersfield, CA |
| Panama Lane | Bakersfield, CA |
| Mount Vernon | Bakersfield, CA |
| Delano | Delano, CA |
| Porterville | Porterville, CA |
| Taft | Taft, CA |
| Tehachapi | Tehachapi, CA |
| Visalia | Visalia, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Other-state peers near Safe 1
Two NCUA Call Report peer sets for Safe 1, 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 ($1.11B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- Safe 1 ranks #11 of 4,374 nationally on financial health and #2 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BLUPEAK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BLUPEAK
- 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 Safe 1 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Safe 1 carries a financial health score of 100/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #11 of 4,374; by total assets it ranks #434 of 4,374 nationally (same basis as /rankings/largest); and #62 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.16% net worth ratio and a 0.39% delinquency rate.
How does Safe 1 compare to other credit unions?
PlainCU's health composite puts Safe 1 at 100/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 16.16% 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.
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.