Side-by-side · Q2 2026 data
Westamerica Bank 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 | Westamerica Bank | Bakersfield City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 53 | 71 (stronger) |
| Loan quality | 96 | 99 (stronger) |
| Earnings | 94 (stronger) | 35 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 86th | 59th |
| Total assets | $5.8B | $30.1M |
| Deposits / shares | $4.8B | $26.4M |
| Capital ratio | 10.27% | 12.10% (stronger) |
| Problem loans | 0.12% | 0.03% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.15% |
| Return on assets | 1.84% (stronger) | 0.38% |
| Loans ÷ deposits | 13.8% (stronger) | 52.8% |
| Uninsured deposits | 49.6% | 1.1% (stronger) |
| Offices | 75 | 1 |
| 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), Westamerica Bank leads on 3 and Bakersfield City Employees Federal Credit Union on 3. 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.