SAFE 1
Charter #61598 · BAKERSFIELD, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.16% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.80% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 53.55% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 57th — a 49-point gap showing why the peer definition matters.
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 | SAFE 1 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.12B | 9th pct | 57th pct |
| Members | 89,063 | 35th pct | 69th pct |
| Net worth ratio | 16.16% | 96th pct | 90th pct |
| Return on average assets | 1.80% | 97th pct | 92th pct |
| Net interest margin | 3.77% | 78th pct | 66th pct |
| Cost of funds | 1.53% | 39th pct | 54th pct |
| Loan-to-share | 85.86% | 48th pct | 49th pct |
| Delinquency 60+ days | 0.32% | 17th pct | 31th pct |
| Net charge-off ratio | 0.42% | 38th pct | 26th pct |
| Loan growth YoY | -1.40% | 11th pct | 11th pct |
| Share growth YoY | 5.69% | 71th pct | 74th pct |
| Efficiency ratio | 53.55% | 4th pct | 5th pct |
structural peer set hash: 5f2b02a49c2fa824018124b5a2977862… (reproducible)
Closest structural peers
This is the free public view
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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.