Bakersfield, California · Peer group 3
Bakersfield City Employees Credit Union
Bakersfield City Employees Credit Union holds $29.4M in assets across 2,034 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1936. Charter number 1339, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $29.4M |
|---|---|
| Total loans | $14.1M |
| Total shares (deposits) | $25.5M |
| Net worth | $3.5M |
| Members | 2,034 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.7% | |
|---|---|---|
| Loans | -13.9% | lower than 91% of its peer group |
| Deposits | -4.4% | around the 16th percentile of its peer group |
| Members | -2.4% | around the 36th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 55.2% | around the 47th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.0% | around the 37th percentile of its peer group |
| Return on assets | 1.11% | around the 73rd percentile of its peer group |
| Delinquency ratio | 0.04% | around the 15th percentile of its peer group |
| Cash / assets | 10.5% | around the 46th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Bakersfield City Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Mattel Credit Union
El Segundo, CA
$29.1M · 1,870 members
- Slo Credit Union
San Luis Obispo, CA
$29.7M · 1,315 members
- Sun Pacific Credit Union
Richmond, CA
$29.8M · 1,536 members
- Hanin Credit Union
Los Angeles, CA
$31.7M · 2,228 members
- Fresno Grangers Credit Union
FRESNO, CA
$27.0M · 583 members
- El Monte Community Credit Union
El Monte, CA
$33.0M · 2,649 members
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