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.
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#11 of 4,374 health · 2025Q4Safe 1 · health 100/100 · $1.11B · 2025Q4
Call Report peers
Safe 1 in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Safe 1 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Safe 1 sits in 100 with 34 others.
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: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 90.06% vs peer 83.90% (+6.16 pp).
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.
- One place up in California, Comunidad Latina (#1) ties at 100/100; one place down, SAFE (#3) ties at 100/100.
Safe 1: 2025Q4 → 2026Q1
Safe 1: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $1.11B (2025Q4) to $1.12B (2026Q1).
- Net-worth ratio shifted +0.24 pp (15.92% → 16.16%).
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
Safe 1 gives up 0 points in total. Member Growth costs the most, 0.3 of its 15; Loan-to-Share Ratio and 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 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Safe 1 financially healthy?
Safe 1 has a financial health score of 100/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #11 of 4,374 nationally on health and #2 of 243 in California. Its net worth ratio is 16.16% and its delinquency rate 0.39%.
How does Safe 1 compare to other credit unions?
Safe 1 scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.06% vs 83.90%).
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?
Safe 1 is a state-chartered 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. Safe 1's net worth ratio of 16.16% 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.