Bakersfield, California · Peer group 6
Safe 1 Credit Union
Safe 1 Credit Union holds $1.12B in assets across 89,063 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1952. Charter number 61598, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.12B |
|---|---|
| Total loans | $823.0M |
| Total shares (deposits) | $958.6M |
| Net worth | $181.1M |
| Members | 89,063 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.3% | |
|---|---|---|
| Loans | 9.5% | around the 80th percentile of its peer group |
| Deposits | 7.8% | around the 79th percentile of its peer group |
| Members | 5.0% | around the 85th 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 | 85.9% | around the 54th percentile of its peer group |
|---|---|---|
| Net worth ratio | 16.2% | higher than 96% of its peer group |
| Return on assets | 1.79% | higher than 97% of its peer group |
| Delinquency ratio | 0.32% | around the 20th percentile of its peer group |
| Cash / assets | 17.8% | higher than 95% of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Safe 1 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.
- Blupeak Credit Union
San Diego, CA
$1.13B · 52,548 members
- Valley First Credit Union
Modesto, CA
$1.11B · 80,615 members
- The Police Credit Union
SAN BRUNO, CA
$1.05B · 37,961 members
- University Credit Union
Los Angeles, CA
$1.19B · 60,510 members
- Honda Credit Union
Torrance, CA
$1.20B · 60,566 members
- Mirastar Credit Union
San Jose, CA
$1.04B · 50,198 members
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