TellerScore

Strata Federal Credit Union (NCUA charter #6032) is based in Bakersfield, California. Its Q2 2026 call report shows $344.5M in total assets and $291.4M in member shares and deposits and 2 offices.

Strata Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 68th. Problem-loan coverage contributes the most (97/100, 1.5%); earnings contributes the least (32/100, 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.20%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.23%
Earnings32/100
Return on assets (annualized): 0.31%
Funding & liquidity75/100
Loans ÷ shares: 85.3% · 4.7% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.46%

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 (77 → 78).

TellerScore
718088Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202483
Q4 202478
Q1 202571
Q2 202577
Q3 202579
Q4 202578
Q1 202673
Q2 202678
Net worth ratio
7.00%10.70%14.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.66%
Q3 202413.95%
Q4 202413.89%
Q1 202513.71%
Q2 202514.14%
Q3 202514.40%
Q4 202514.32%
Q1 202613.96%
Q2 202614.20%
Delinquent loans (60+ days)
0.23%0.50%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.48%
Q4 20240.78%
Q1 20250.42%
Q2 20250.34%
Q3 20250.33%
Q4 20250.38%
Q1 20260.31%
Q2 20260.23%
Return on assets
-0.19%0.86%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.91%
Q3 20241.47%
Q4 20241.10%
Q1 2025-0.19%
Q2 20250.40%
Q3 20250.53%
Q4 20250.51%
Q1 2026-0.13%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$344.5M14.20%0.23%0.31%85.3%
Q1 202673$346.0M13.96%0.31%-0.13%85.3%
Q4 202578$336.2M14.32%0.38%0.51%89.9%
Q3 202579$336.6M14.40%0.33%0.53%88.7%
Q2 202577$338.2M14.14%0.34%0.40%87.5%
Q1 202571$343.1M13.71%0.42%-0.19%85.5%
Q4 202478$339.7M13.89%0.78%1.10%87.3%
Q3 202483$338.4M13.95%0.48%1.47%89.0%
Q2 202488$342.4M13.66%0.30%1.91%89.3%

1,341 peers · $100 million – $1 billion

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 ratio14.20%
80th
Problem loans0.23%
88th
Net charge-offs0.80%
16th
Return on assets0.31%
18th
Loans to deposits85.3%
28th
Uninsured deposits4.7%
63rd
Loan-loss reserves0.00%
50th
Texas ratio1.5%
82nd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs
Matadors Community Credit UnionCredit union Northridge, CA68 out of 100, Moderate$356.1M11.7%0.34%vs
Tucoemas Federal Credit UnionCredit union Visalia, CA74 out of 100, Strong$332.0M10.3%1.25%vs
Families and Schools Together Federal Credit UnionCredit union Hanford, CA92 out of 100, Very strong$329.6M20.0%0.37%vs
Monterey Credit UnionCredit union Monterey, CA50 out of 100, Below average$360.5M8.8%0.97%vs
Downey Federal Credit UnionCredit union Downey, CA59 out of 100, Moderate$327.9M8.8%0.52%vs

Deposit insurance

Is my money safe at Strata Federal Credit Union?

Yes. Strata Federal Credit Union is a federally insured credit union (NCUA charter #6032). 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 4.7% of shares and deposits ($13.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.20%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Strata Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Strata Federal Credit Union
Type
Federal credit union
NCUA charter #
6032
RSSD ID
237776
Primary regulator
NCUA
Established
1949
Headquarters
Po Box 1667, Bakersfield, CA 93302
Employees
71

Quick answers

Strata Federal Credit Union: common questions

Is Strata Federal Credit Union NCUA insured?

Yes. Strata Federal Credit Union is a federally insured credit union (NCUA charter #6032). 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 Strata 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 Strata Federal Credit Union have?

2 offices 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
Bakersfield City Employees Federal Credit UnionCredit union Bakersfield, CA78 out of 100, Strong$30.1M12.1%0.03%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