BAKERSFIELD CITY EMPLOYEES
Charter #1339 · BAKERSFIELD, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.12% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.44% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.09% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.04% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 74.61% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BAKERSFIELD CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.35M | 60th pct | 38th pct |
| Members | 2,034 | 47th pct | 36th pct |
| Net worth ratio | 12.03% | 37th pct | 44th pct |
| Return on average assets | 1.12% | 73th pct | 87th pct |
| Net interest margin | 4.44% | 76th pct | 90th pct |
| Cost of funds | 0.09% | 6th pct | 13th pct |
| Loan-to-share | 55.20% | 47th pct | 52th pct |
| Delinquency 60+ days | 0.04% | 15th pct | 11th pct |
| Net charge-off ratio | 0.14% | 51th pct | 48th pct |
| Loan growth YoY | -11.89% | 4th pct | 5th pct |
| Share growth YoY | -0.86% | 20th pct | 23th pct |
| Efficiency ratio | 74.61% | 37th pct | 20th pct |
structural peer set hash: c3755de02a9bd0d66e595396e758bea3… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.