Strata

BAKERSFIELD, CA · 1 · Charter #6032 · www.stratacu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$336.2M
25th percentile
Members
24,460
40th percentile
Total loans
$254.9M
38th percentile
Total shares
$250.3M
13th percentile

Profitability

Return on assets
1.24%
68th percentile
Net interest margin
4.58%
96th percentile
Efficiency ratio
71.19%
9th percentile
Non-interest income ratio
20.78%
61th percentile

Capital & Risk

Net worth ratio
14.32%
87th percentile
Delinquency rate
0.38%
81th percentile
Net charge-off rate
0.98%
12th percentile
Loan-to-share
101.84%
93th percentile

Growth

Member growth YoY
1.34%
60th percentile
Asset growth YoY
-1.03%
10th percentile
Loan growth YoY
1.69%
37th percentile
Share growth YoY
-1.37%
8th percentile

Operations

Members / branch
6,115
75th percentile
Assets / member
$13,744
27th percentile
Field of membership penetration
6.12%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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