Federal credit union · BAKERSFIELD, California · NCUA charter #6032
STRATA
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $336.2M
- Total assets
- 24,460
- Members
- 14.0%
- Net-worth ratio
STRATA scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $336.2M; members 24,460; net-worth ratio 13.96%; health rank #236 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#236 of 4,374 health · 2025Q4STRATA · health 96/100 · $336.2M · 2025Q4
Call Report peers
STRATA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
STRATA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); STRATA sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where STRATA diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 89.88% vs peer 72.20% (+17.68 pp).
Where STRATA sits in California
- California health ordinal: #17 of 243.
- Assets rank #105 of 243 inside California ($336.2M reported).
- California membership ordinal: #93 of 243.
- One place up in California, Pacific Service (#16) ties at 96/100; one place down, California Coast (#18) ties at 96/100.
Quarter path for STRATA
STRATA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $336.2M (2025Q4) to $346.0M (2026Q1).
- Net-worth ratio shifted -0.36 pp (14.32% → 13.96%).
13.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
STRATA gives up 4 points in total. Member Growth costs the most, 4.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for STRATA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.96% | +1.85 pp |
| Delinquency Rate | 0.38% | -0.51 pp |
| Return on Assets | 1.11% | +0.49 pp |
| Member Growth | 1.34% | - |
| Loan-to-Share Ratio | 89.88% | +17.68 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
STRATA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $346.0M | - |
| 2025Q4 | $336.2M | 24,460 |
| 2024Q4 | $339.7M | 24,137 |
| 2023Q4 | $341.3M | 23,721 |
Credit Union Details
- Charter Number
- 6032
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- California
- City
- BAKERSFIELD
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, STRATA runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Branch 1 Main Branch (Main Office) | Bakersfield, CA |
| Branch 50 - Riverlakes | Bakersfield, CA |
| Branch 2-Panama | Bakersfield, CA |
| Branch 4 - Wasco | Wasco, 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.
Nationwide credit unions with similar profiles
Using this data
- STRATA ranks #236 of 4,374 nationally on financial health and #17 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TUCOEMAS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TUCOEMAS
Frequently Asked Questions
Is STRATA financially healthy?
On its 2025Q4 NCUA 5300 filing, STRATA scores 96/100 (Excellent), with a 13.96% net worth ratio and 0.38% of loans delinquent. It ranks #236 of 4,374 nationally on health and #17 of 243 in California.
How does STRATA compare to other credit unions?
STRATA scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.88% vs 72.20%).
How can I join STRATA?
STRATA 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 STRATA directly for the current list of qualifying groups.
Is my money safe at STRATA?
STRATA is a federal 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. STRATA's net worth ratio of 13.96% 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.