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
- RANK 96/100
- PHOTO 14.0%
- BOOK 0.38%
- CHARTER 1.11%
- NCUSIF $336.2M
- CAMELS 24,460
- HEALTH #236/4,374
- NW GUADALUPE
- DELQ 6032
Call Report peers
STRATA in the assets neighbourhood
STRATA's $336.2M assets sit next to GUADALUPE ($336.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
96 Top 7% higher than 93% 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
STRATA - Share Insurance Coverage
Charter #6032's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where STRATA diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 89.88% vs peer 72.20% (+17.68 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for STRATA
STRATA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $336.2M (2025Q4) to $346.0M (2026Q1).
- Net-worth ratio shifted -0.36 pp (14.32% → 13.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for STRATA - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($336.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- 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 STRATA financially healthy?
STRATA scores 96/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #236 of 4,374; by total assets it ranks #973 of 4,374 nationally (same basis as /rankings/largest); and #105 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.96% net worth ratio and a 0.38% delinquency rate.
How does STRATA compare to other credit unions?
STRATA scores 96/100 on PlainCU's health composite, compared to a peer group average for $100M–$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 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?
Federal credit unions like STRATA 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. STRATA's net worth ratio of 13.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does STRATA offer compared to banks?
Credit unions like STRATA 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 STRATA 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.