TellerScore

Bakersfield City Employees Federal Credit Union (NCUA charter #1339) is based in Bakersfield, California. Its Q2 2026 call report shows $30.1M in total assets and $26.4M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Bakersfield City Employees Federal Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 74th. Its strongest component is funding & liquidity (100/100; 53% loans-to-deposits, 1% uninsured), and its lowest is earnings (35/100; 0.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.10%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings35/100
Return on assets (annualized): 0.38%
Funding & liquidity100/100
Loans ÷ shares: 52.8% · 1.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.11%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 78).

TellerScore
717885Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202472
Q4 202477
Q1 202575
Q2 202579
Q3 202583
Q4 202585
Q1 202684
Q2 202678
Net worth ratio
7.00%9.55%12.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.23%
Q3 20249.58%
Q4 202410.34%
Q1 202510.37%
Q2 202510.98%
Q3 202511.42%
Q4 202511.98%
Q1 202612.03%
Q2 202612.10%
Delinquent loans (60+ days)
0.01%0.15%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.22%
Q4 20240.16%
Q1 20250.28%
Q2 20250.28%
Q3 20250.17%
Q4 20250.20%
Q1 20260.04%
Q2 20260.03%
Return on assets
0.38%0.92%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.80%
Q4 20241.10%
Q1 20250.90%
Q2 20251.31%
Q3 20251.41%
Q4 20251.46%
Q1 20261.11%
Q2 20260.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$30.1M12.10%0.03%0.38%52.8%
Q1 202684$29.4M12.03%0.04%1.11%55.2%
Q4 202585$28.8M11.98%0.20%1.46%59.2%
Q3 202583$29.2M11.42%0.17%1.41%62.1%
Q2 202579$29.3M10.98%0.28%1.31%64.8%
Q1 202575$29.9M10.37%0.28%0.90%61.3%
Q4 202477$29.3M10.34%0.16%1.10%64.4%
Q3 202472$30.2M9.58%0.22%0.80%61.5%
Q2 202471$30.4M9.23%0.01%0.59%62.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.10%
32nd
Problem loans0.03%
85th
Net charge-offs0.15%
53rd
Return on assets0.38%
36th
Loans to deposits52.8%
59th
Uninsured deposits1.1%
53rd
Loan-loss reserves0.00%
37th
Texas ratio0.1%
84th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Sun Pacific Federal Credit UnionCredit union Richmond, CA81 out of 100, Strong$29.9M20.5%1.16%vs
Slo Credit UnionCredit union San Luis Obispo, CA77 out of 100, Strong$29.1M14.5%0.20%vs
San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA87 out of 100, Very strong$31.8M18.4%0.00%vs
Capstone Federal Credit UnionCredit union Aliso Viejo, CA62 out of 100, Moderate$31.9M12.8%1.69%vs
Mattel Federal Credit UnionCredit union El Segundo, CA74 out of 100, Strong$28.1M11.4%0.11%vs
Hanin Federal Credit UnionCredit union Los Angeles, CA69 out of 100, Moderate$32.4M13.8%1.07%vs

Deposit insurance

Is my money safe at Bakersfield City Employees Federal Credit Union?

Yes. Bakersfield City Employees Federal Credit Union is a federally insured credit union (NCUA charter #1339). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.1% of shares and deposits ($292K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Bakersfield City Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bakersfield City Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
1339
RSSD ID
485979
Primary regulator
NCUA
Established
1936
Headquarters
2817 16th St, Bakersfield, CA 93301
Employees
14

Quick answers

Bakersfield City Employees Federal Credit Union: common questions

Is Bakersfield City Employees Federal Credit Union NCUA insured?

Yes. Bakersfield City Employees Federal Credit Union is a federally insured credit union (NCUA charter #1339). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Bakersfield City Employees Federal Credit Union's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Bakersfield City Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bakersfield

InstitutionScoreAssetsCapitalProblem loansCompare
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs
Chevron Federal Credit UnionCredit union Concord, CA81 out of 100, Strong$5.4B12.4%0.38%vs
Mission BankBank Bakersfield, CA80 out of 100, Strong$2.0B12.2%0.02%vs
Strata Federal Credit UnionCredit union Bakersfield, CA78 out of 100, Strong$344.5M14.2%0.23%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Bank of the SierraBank Porterville, CA77 out of 100, Strong$3.7B12.2%0.43%vs