Strata Credit Union

Overview / Commentary

www.stratacu.org

661-327-9461

1717 Truxtun Ave
Bakersfield, CA 93301

Strata Credit Union is headquartered in Bakersfield and is the 104^th largest credit union in the state of California. It is also the 938^th largest credit union in the nation. It was established in 1949 and as of June of 2024, it had grown to 70 employees and 24,040 members at 4 locations. Strata Credit Union has an A health rating.

Field of Membership Restrictions

Strata Credit Union is open to anyone who lives, works, goes to school or worships in Kern County, California.
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Health

Data as of Q2 2024

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Health Grade Components

Overall
NCUA #	6032
Year Chartered	1949
Employees	70
Primary Regulator

Profit Margin
Return on Assets - YTD	1.89%
Return on Equity - YTD	14%
Annual Interest Income	$8.8MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$342.4MM$348.2MM
Loans	Q2 2024vs Q2 2023	$258.2MM$258.8MM
Deposits	Q2 2024vs Q2 2023	$289.1MM$293.9MM
Equity Capital	Q2 2024vs Q2 2023	$46.6MM$41.4MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$2.1MM$2.4MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$778K$1MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Strata Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$0	-	Savings Account

Strata Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.05% → $1 - $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $100k

Strata Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1	-	Plus Checking

Strata Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$100	-	12 Month Wealth Builder CD
0.75%	$100	-	60 Month CD
0.60%	$100	-	48 Month CD
0.50%	$100	-	36 Month CD
0.30%	$100	-	24 Month CD
0.20%	$100	-	12 Month CD
0.20%	$100	-	1 Year Bump-Up CD
0.20%	$100	-	1 Year Add-On CD
0.15%	$100	-	6 Month CD
0.10%	$100	-	3 Month CD

Locations

Strata Credit Union Locations
Branch Office	4180 Coffee Rd	Bakersfield, CA 93308
Branch Office	1717 Truxtun Ave	Bakersfield, CA 93301-5102
Branch Office	1535 Panama Ln	Bakersfield, CA 93307-5680
Branch Office	2830 CA-46	Wasco, CA 93280

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