BlastPoint's Credit Union Scorecard
BAKERSFIELD CITY EMPLOYEES
Charter #1339 · CA
BAKERSFIELD CITY EMPLOYEES has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.83% above tier average
- + Net Interest Margin 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,046
-2.0% YoY-1.3% QoQ
|
-569 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$28.8M
-1.8% YoY-1.6% QoQ
|
$-1.4M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$14.9M
-10.4% YoY-6.6% QoQ
|
$-813K |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$25.3M
-2.5% YoY-2.0% QoQ
|
$-437K |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
59% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
+34.0% YoY+2.6% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
4.6%
+13.0% YoY+1.3% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
70.7%
-4.3% YoY+0.6% QoQ
|
-11.9% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.2%
+26.5% YoY+16.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
59.2%
-8.1% YoY-4.7% QoQ
|
-1.4% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$19,648
-3.6% YoY-2.5% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
9.9%
-23.7% YoY-4.3% QoQ
|
-14.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)