Safe 1

BAKERSFIELD, CA · 2 · Charter #61598 · www.safe1.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.1B
7th percentile
Members
88,136
35th percentile
Total loans
$829.0M
12th percentile
Total shares
$920.5M
8th percentile

Profitability

Return on assets
2.25%
97th percentile
Net interest margin
3.56%
73th percentile
Efficiency ratio
41.48%
86th percentile
Non-interest income ratio
19.97%
60th percentile

Capital & Risk

Net worth ratio
15.92%
95th percentile
Delinquency rate
0.39%
82th percentile
Net charge-off rate
0.32%
74th percentile
Loan-to-share
90.06%
52th percentile

Growth

Member growth YoY
4.77%
75th percentile
Asset growth YoY
10.55%
83th percentile
Loan growth YoY
9.88%
77th percentile
Share growth YoY
9.59%
79th percentile

Operations

Members / branch
8,012
54th percentile
Assets / member
$12,548
5th percentile
Field of membership penetration
3.37%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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