Bakersfield City Employees Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (2.7) profitability.
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 30.5 percent and a “hot money” ratio of 6.3 percent. Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 8.7.
Asset Mix:
Consumer loans (31%), home mtgs (11%), other (58%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2817 16th Street
Bakersfield, CA 93301
Bakersfield, CA 93301
Phone Number
(661) 861-6151
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Bakersfield, CA
Bakersfield, CA
Bakersfield, CA
Bakersfield, CA
