Side-by-side · Q2 2026 data
Bakersfield City Employees Federal Credit Union vs Strata Federal Credit Union
Credit union
Bakersfield City Employees Federal Credit Union
Bakersfield, California · Under $100 million in assets
Metric by metric
| Measure | Bakersfield City Employees Federal Credit Union | Strata Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 71 | 92 (stronger) |
| Loan quality | 99 (stronger) | 92 |
| Earnings | 35 (stronger) | 32 |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 59th | 74th |
| Total assets | $30.1M | $344.5M |
| Deposits / shares | $26.4M | $291.4M |
| Capital ratio | 12.10% | 14.20% (stronger) |
| Problem loans | 0.03% (stronger) | 0.23% |
| Net charge-offs | 0.15% (stronger) | 0.80% |
| Return on assets | 0.38% (stronger) | 0.31% |
| Loans ÷ deposits | 52.8% (stronger) | 85.3% |
| Uninsured deposits | 1.1% (stronger) | 4.7% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Bakersfield City Employees Federal Credit Union leads on 5 and Strata Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.