Credit union · NCUA insured
Strata Credit Union
A $346M credit union headquartered in Bakersfield, CA, with 24,469 members and 4 branches in California. Best rates: CDs 0.75% and savings 0.10% APY.
Strata Credit Union Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#13 of 21 in Bakersfield, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Strata Credit Union
Strata Credit Union is a member-owned financial institution serving neighbors and communities in Kern County, California, for 75 years.
The credit union operates branch locations in Bakersfield and Wasco, California.
- Headquarters
- 1717 Truxtun Ave, Bakersfield, CA 93301-5102
- NCUA charter
- 6032
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives within Kern County is eligible for membership.
- Anyone who works within Kern County is eligible for membership.
Employers and groups
- Anyone who attends a religious institution within Kern County is eligible for membership.
Military, government and schools
- Anyone who attends an educational institution within Kern County is eligible for membership.
Branches
4 branches in California
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California
4 branches
- Branch 1 Main BranchMain office1717 Truxtun Ave, Bakersfield, CA 93301Directions
- Branch 2-Panama1535 Panama Ln, Bakersfield, CA 93307Directions
- Branch 50 - Riverlakes4180 Coffee Rd, Bakersfield, CA 93308Directions
- Branch 4 - Wasco2830 Ca-46, Wasco, CA 93280Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.20% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.23% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio14.20%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.23%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Strata Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.