Bakersfield, California · Peer group 5
Strata Credit Union
Strata Credit Union holds $346.0M in assets across 24,469 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1949. Charter number 6032, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $346.0M |
|---|---|
| Total loans | $250.6M |
| Total shares (deposits) | $293.9M |
| Net worth | $48.3M |
| Members | 24,469 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.8% | |
|---|---|---|
| Loans | 0.4% | around the 37th percentile of its peer group |
| Deposits | 0.7% | around the 26th percentile of its peer group |
| Members | 0.7% | around the 61st 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 | 85.3% | around the 79th percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.0% | around the 79th percentile of its peer group |
| Return on assets | -0.13% | lower than 94% of its peer group |
| Delinquency ratio | 0.31% | around the 22nd percentile of its peer group |
| Cash / assets | 12.3% | around the 66th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Strata 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.
- SAG-AFTRA Credit Union
Burbank, CA
$340.6M · 21,010 members
- Tucoemas Credit Union
VISALIA, CA
$336.9M · 26,931 members
- Monterey Credit Union
MONTEREY, CA
$357.0M · 21,026 members
- Ume Credit Union
Burbank, CA
$334.1M · 17,428 members
- Matadors Community Credit Union
Northridge, CA
$359.9M · 18,585 members
- Downey Credit Union
Downey, CA
$331.2M · 19,401 members
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