Side-by-side · Q2 2026 data
Bank of the Sierra vs Bakersfield City Employees Federal Credit Union
Credit union
Bakersfield City Employees Federal Credit Union
Bakersfield, California · Under $100 million in assets
Metric by metric
| Measure | Bank of the Sierra | Bakersfield City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 78 (stronger) |
| Capital cushion | 72 (stronger) | 71 |
| Loan quality | 86 | 99 (stronger) |
| Earnings | 73 (stronger) | 35 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 83rd | 59th |
| Total assets | $3.7B | $30.1M |
| Deposits / shares | $2.9B | $26.4M |
| Capital ratio | 12.25% (stronger) | 12.10% |
| Problem loans | 0.43% | 0.03% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.15% |
| Return on assets | 1.33% (stronger) | 0.38% |
| Loans ÷ deposits | 82.9% | 52.8% (stronger) |
| Uninsured deposits | 27.9% | 1.1% (stronger) |
| Offices | 34 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bakersfield City Employees Federal Credit Union has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Sierra leads on 3 and Bakersfield City Employees Federal Credit Union on 4. 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.