U.S.B. Employees vs Bakersfield City Employees
Comparing a Credit Union in Wilmington, CA with a Credit Union in Bakersfield, CA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| U.S.B. Employees ↗ Credit Union · Wilmington, CA · Est. 1949 | Bakersfield City Employees ↗ Credit Union · Bakersfield, CA · Est. 1936 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Wilmington, CA | Bakersfield, CA |
| Total assets | $3.2M | $29.4M |
| Net worth ratio | 19.8% | 12.0% |
| Return on assets | 1.3% | 1.1% |
| Shares & deposits | — | — |
| Members | 303 | 2,034 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 241 | #1 of 241 |
| Established | 1949 | 1936 |
U.S.B. Employees
- Assets: $3.2M
- Members: 303
- Capital ratio: 19.8%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #4 of 241
Bakersfield City Employees
- Assets: $29.4M
- Members: 2,034
- Capital ratio: 12.0%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #1 of 241
Are both institutions federally insured?
Yes. U.S.B. Employees is NCUA-insured and Bakersfield City Employees is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, U.S.B. Employees or Bakersfield City Employees?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — U.S.B. Employees scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is U.S.B. Employees safe?
Yes — U.S.B. Employees is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Bakersfield City Employees safe?
Yes — Bakersfield City Employees is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of U.S.B. Employees vs Bakersfield City Employees?
U.S.B. Employees has a net worth ratio of 19.8%, placing it in the top 23% of <$100M peers. Bakersfield City Employees's ratio is 12.0%, placing it in the bottom 33% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does U.S.B. Employees have compared to Bakersfield City Employees?
The CFPB database shows 0 complaints against U.S.B. Employees, and 0 complaints against Bakersfield City Employees. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare U.S.B. Employees with other Credit Unions in California
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
