STRATA
Federal • BAKERSFIELD, California • Est. 1949
Quick Facts
- Charter Number
- #6032
- Type
- Federal
- Established
- 1949
- Headquarters
- BAKERSFIELD, California 93302
- Address
- PO BOX 1667
- Branches
- 4
- ATMs
- 4
- Members
- 24,460
- 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
24,460 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | STRATA |
|---|---|
| Total Assets | $336.2M |
| Members | 24,460 |
| Loans Outstanding | $254.9M |
| Shares & Deposits | $283.5M |
| Net Worth | $48.1M |
| Net Worth Ratio | 14.32% |
| Loan-to-Share Ratio | 89.9% |
| Delinquency Rate | 0.38% |
| Net Income | +$4,167,442 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
Branch 1 Main Branch
Main Office1717 Truxtun Ave
Bakersfield, CA 93301-5102
Branch 50 - Riverlakes
4180 Coffee Rd
Bakersfield, CA 93308
Branch 2-Panama
1535 Panama Ln
Bakersfield, CA 93307-5680
Branch 4 - Wasco
2830 CA-46
Wasco, CA 93280
Who Can Join STRATA?
Membership Type: Community
Membership eligibility for STRATA may vary. Contact the credit union directly to confirm qualification requirements.
Contact STRATA 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. STRATA 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, STRATA has 24,460 members and a potential membership field of 400,000 people.
STRATA's net worth ratio is 14.32% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.3%, STRATA meets this threshold.
STRATA operates 4 branch locations and has access to 4 ATMs. The main office is located at 1717 Truxtun Ave, Bakersfield, CA 93301-5102.
STRATA was established in 1949. It is a federal credit union chartered under charter number 6032. The institution has been serving members for 77 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or STRATA. All financial data is for informational purposes only.