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Espeeco Federal Credit Union

Overview / Commentary
2801 H St
Bakersfield, CA 93301

Espeeco Federal Credit Union is headquartered in Bakersfield and is the 266th largest credit union in the state of California. It is also the 3,994th largest credit union in the nation. It was established in 1954 and as of March of 2019, it had grown to 3 employees and 1,523 members at 1 location. Espeeco Federal Credit Union has a C 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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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, and a negative return on assets.

Health Grade Components

NCUA #9590
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD-14.11%
Return on Equity - YTD-158.72%
Annual Interest Income$77.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$10.6MM$9.5MM
LoansQ1 2019vs Q1 2018$3.9MM$3.7MM
DepositsQ1 2019vs Q1 2018$9.7MM$8.1MM
Equity CapitalQ1 2019vs Q1 2018$935.00K$1.4MM
Loan Loss AllowanceQ1 2019vs Q1 2018$126.00K$130.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$5.00K$13.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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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

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

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

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

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