State credit union · BAKERSFIELD, California · NCUA charter #61598
Safe 1
Health score 100/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $1.11B
- Total assets
- 88,136
- Members
- 14.7%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth98
- Liquidity (loan-to-share)100
Weighted composite: 100/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.68% | 30% |
| Delinquency Rate | 0.39% | 25% |
| Return on Assets | 1.23% | 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
Charter #61598, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Safe 1, a state credit union in BAKERSFIELD, California with 88,136 members, $1.11B in total assets, and $829.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 100/100 (Excellent), helped by a net worth ratio of 14.68% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.39% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 90.06% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.23% on net income of $13.6M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.77%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
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?
Based on NCUA 5300 Call Report data as of Q4 2025, Safe 1 carries a financial health score of 100/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.68% 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 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.
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.