Side-by-side · Q2 2026 data
Bakersfield City Employees Federal Credit Union vs Valley Strong Credit Union
Credit union
Bakersfield City Employees Federal Credit Union
Bakersfield, California · Under $100 million in assets
Credit union
Valley Strong Credit Union
Bakersfield, California · $1 billion – $10 billion
Metric by metric
| Measure | Bakersfield City Employees Federal Credit Union | Valley Strong Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 51 |
| Capital cushion | 71 (stronger) | 43 |
| Loan quality | 99 (stronger) | 35 |
| Earnings | 35 | 51 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 100 (stronger) | 70 |
| Peer percentile | 59th | 7th |
| Total assets | $30.1M | $4.1B |
| Deposits / shares | $26.4M | $3.7B |
| Capital ratio | 12.10% (stronger) | 9.27% |
| Problem loans | 0.03% (stronger) | 1.94% |
| Net charge-offs | 0.15% (stronger) | 0.78% |
| Return on assets | 0.38% | 0.77% (stronger) |
| Loans ÷ deposits | 52.8% (stronger) | 79.2% |
| Uninsured deposits | 1.1% (stronger) | 8.2% |
| Offices | 1 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.3% |
Bakersfield City Employees Federal Credit Union has the higher TellerScore (78 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Bakersfield City Employees Federal Credit Union leads on 6 and Valley Strong 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.