Strata
Strata is a credit union based in Bakersfield, California, established in 1949, with $346 million in total assets serving 24,469 members. By Trust Grade it ranks 117th of 241 credit unions we track in California. Its net worth ratio of 14.0% is stronger than 81% of similarly sized credit unions, versus a California median of 11.1%. It posted a loss over the most recent period (-0.13% return on assets), a point to watch. No consumer complaints against Strata appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Strata compares to California peers
How we graded Strata
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.0% capital ratio)
- Unprofitable over the period (ROA -0.13%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Strata over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Strata insured?
Yes. Strata is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Strata: frequently asked questions
Is Strata a good credit union?
Strata earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Strongly capitalized (14.0% capital ratio); Unprofitable over the period (ROA -0.13%).
Is Strata NCUA-insured?
Yes. Strata is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Strata?
Strata holds $346 million in total assets, ranking 117th of 241 credit unions we track in California. It serves 24,469 members.
Does Strata have CFPB complaints?
No CFPB complaints against Strata appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
