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 0.73% above tier average
- + Net Interest Margin 0.63% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,072
-2.6% YoY-0.6% QoQ
|
-553 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$29.2M
-3.1% YoY-0.3% QoQ
|
$-608K |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$16.0M
-4.5% YoY-4.5% QoQ
|
+$238K |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$25.8M
-5.5% YoY-0.4% QoQ
|
+$312K |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
1.4%
+77.4% YoY+9.0% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
4.6%
+16.5% YoY+2.5% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
75% |
| Efficiency Ratio |
70.3%
-9.1% YoY-0.9% QoQ
|
-11.1% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.2%
-23.7% YoY-39.9% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
62.1%
+1.0% YoY-4.2% QoQ
|
+0.9% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
51% |
| AMR |
$20,161
-2.5% YoY-1.4% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
10.3%
-18.6% YoY-3.3% QoQ
|
-14.1% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)