Strata Federal Credit Union Bakersfield, California
Strata Federal Credit Union is a federal credit union headquartered in Bakersfield, CA, established in 1949 (NCUA charter 6032), and it is regulated and insured by the NCUA. At Q2 2026 it reported 24,415 members and total assets of $344.5M (up 1.9% from Q2 2025), the 102nd largest of 238 credit unions headquartered in California. Its net worth ratio was 14.20% at Q2 2026, in the well capitalized band.
Also written as Strata FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 6032
- Headquarters
- Bakersfield, CA
- Established
- 1949
- Total assets, Q2 2026
- $344.5M
- Assets vs Q2 2025
- +1.9%
- Members, Q2 2026
- 24,415
- Net worth ratio, Q2 2026
- 14.20%
- Latest call report
- Q2 2026, NCUA 5300 · Strata Federal Credit Union call report
- Asset rank in state
- 102nd of 238 in California
- Routing number
- 322273706
- Branches
- 4
It has 44 more members than on June 30, 2025 (+0.2%). Its net worth ratio was up 0.06 percentage points from 14.14% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $117.4M of $248.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.23% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.20% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in California
Frequently asked about Strata Federal Credit Union
How big is Strata Federal Credit Union?
At Q2 2026 it reported total assets of $344.5M and 24,415 members.
Where is Strata Federal Credit Union headquartered?
It is headquartered in Bakersfield, CA, United States.
When was Strata Federal Credit Union founded?
It was established in 1949, per NCUA records.
Is Strata Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 6032): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Strata Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Strata Federal Credit Union well capitalized?
Its net worth ratio was 14.20% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Strata Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.23% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Strata Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.33% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bakersfield, CA 93301
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 6032
- RSSD ID
- 237776
- Members
- 24,415
- Potential members
- 400,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.20% | 11.43% | 79th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.75% | 0.81% | 46th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 5.27% | 7.02% | 36th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.92% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 77.79% | 76.55% | 46th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.67% | 1.24% | 88th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.23% | 0.68% | 88th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.59% | 4.92% | 83rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 85.33% | 75.66% | 72nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$344.5M total assets against $338.2M; $291.4M total shares and deposits against $285.5M; $248.7M total loans against $249.9M.
$48.9M net worth against $47.8M.
14.20% net worth ratio against 14.14%.
85.33% loan-to-share ratio against 87.54%.
0.23% delinquency ratio against 0.34%.
0.75% return on assets against 0.99%; 5.27% return on equity against 6.97%.
4.92% net interest margin against 4.69%.
24,415 members against 24,371.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.20% | 0.75% | 0.23% | 85.33% |
| March 31, 2026 | 13.96% | -0.13% | 0.31% | 85.27% |
| December 31, 2025 | 14.32% | 0.44% | 0.38% | 89.88% |
| September 30, 2025 | 14.40% | 0.80% | 0.33% | 88.71% |
| June 30, 2025 | 14.14% | 0.99% | 0.34% | 87.54% |
| March 31, 2025 | 13.71% | -0.19% | 0.42% | 85.51% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.