Bakersfield City Employees

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$28.8M

76^th percentile

Members

2,046

67^th percentile

Total loans

$14.9M

78^th percentile

Total shares

$25.3M

77^th percentile

Profitability

Return on assets

1.54%

80^th percentile

Net interest margin

4.65%

74^th percentile

Efficiency ratio

69.63%

44^th percentile

Non-interest income ratio

11.11%

56^th percentile

Capital & Risk

Net worth ratio

11.98%

30^th percentile

Delinquency rate

0.20%

71^th percentile

Net charge-off rate

0.14%

57^th percentile

Loan-to-share

59.20%

48^th percentile

Growth

Member growth YoY

-2.01%

44^th percentile

Asset growth YoY

-1.78%

30^th percentile

Loan growth YoY

-10.38%

23^th percentile

Share growth YoY

-2.50%

32^th percentile

Operations

Members / branch

1,023

47^th percentile

Assets / member

$14,069

81^th percentile

Field of membership penetration

51.15%

68^th percentile

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