SAFE 1
State-Chartered • BAKERSFIELD, California • Est. 1952
Quick Facts
- Charter Number
- #61598
- Type
- State-Chartered
- Established
- 1952
- Headquarters
- BAKERSFIELD, California 93311
- Address
- 1400 MILL ROCK WAY
- Branches
- 11
- ATMs
- 9
- Members
- 88,136
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
88,136 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SAFE 1 |
|---|---|
| Total Assets | $1.1B |
| Members | 88,136 |
| Loans Outstanding | $829.0M |
| Shares & Deposits | $920.5M |
| Net Worth | $176.1M |
| Net Worth Ratio | 15.92% |
| Loan-to-Share Ratio | 90.1% |
| Delinquency Rate | 0.39% |
| Net Income | +$24,897,074 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
11 locations · 9 ATMs
Main Office
Main Office1400 Mill Rock Way
Bakersfield, CA 93311
Centurion
1021 Central Expy S
Allen, TX 75013
Vital Records Center
400 Oak St
Bakersfield, CA 93304
Delano
1008 Fremont St
Delano, CA 93215
Tehachapi
20141 W Valley Blvd
Tehachapi, CA 93561
Who Can Join SAFE 1?
Membership Type: Community
Membership eligibility for SAFE 1 may vary. Contact the credit union directly to confirm qualification requirements.
Contact SAFE 1 directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. SAFE 1 is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SAFE 1 has 88,136 members and a potential membership field of 2,612,578 people.
SAFE 1's net worth ratio is 15.92% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.9%, SAFE 1 meets this threshold.
SAFE 1 operates 11 branch locations and has access to 9 ATMs. The main office is located at 1400 Mill Rock Way, Bakersfield, CA 93311.
SAFE 1 was established in 1952. It is a state-chartered credit union chartered under charter number 61598. The institution has been serving members for 74 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SAFE 1. All financial data is for informational purposes only.