2. Espeeco Federal Credit Union

Espeeco Federal Credit Union


Overview / Commentary
www.espeeco.org
661-327-5548
1015 Sumner St
Bakersfield, CA 93305

Espeeco Federal Credit Union is headquartered in Bakersfield and is the 271st largest credit union in the state of California. It is also the 4,012th largest credit union in the nation. It was established in 1954 and as of September of 2018, it had grown to 3 employees and 1,174 members at 1 location. Espeeco Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Espeeco Federal Credit Union is open to anyone affiliated with the following SEGs: St. John's Church, Union Pacific Railroad, San Joaquin Valley Railroad, Rendezvous Salon, Law Office of Young & Nichols, John R. Wright Trucking, Sully and Sons Hydraulics, Jeremy Willer Construction, Mexicali Restaurants, United Brotherhood of Carpenters Local Union 743, Costco Wholesale, Good Samaritan Hospital, Bakersfield Pentecostal Church, Kern Backhoe Service Inc., Armored Transport of California, or Young Wooldridge, LLP. Membership also extends to immediate family of existing members.
See current membership details

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Health
B+

Data as of Q3 2018

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Espeeco Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #9590
Year Chartered1954
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD-1.1%
Return on Equity - YTD-8.61%
Annual Interest Income$164.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$10.8MM$8.3MM
LoansQ3 2018vs Q3 2017$3.5MM$4.1MM
DepositsQ3 2018vs Q3 2017$9.4MM$7.0MM
Equity CapitalQ3 2018vs Q3 2017$1.3MM$1.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$129.00K$128.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$16.00K$10.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Espeeco Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--Traditional IRA
0.40%--Roth IRA
0.40%--Educational IRA
0.15%$250-Regular Shares
0.15%-$2.5kHoliday Club Account
0.15%$25-Kids Share Account

Espeeco Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$5k-9 Month Time Certificate
0.30%$10k-12 Month Time Certificate
0.25%$2.5k-6 Month Time Certificate
0.20%$1k-3 Month Time Certificate
Locations


Espeeco Federal Credit Union Locations
Branch Office2801 H StBakersfield, CA 93301-1913

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