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Overview / Commentary
661-327-5548
1015 Sumner St
Bakersfield, CA 93305

Espeeco Federal Credit Union is headquartered in Bakersfield and is the 299th largest credit union in the state of California. It is also the 4,458th largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 2 employees and 1,276 members at 1 location. Espeeco Federal Credit Union has a C+ health rating.

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Health
C+
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 very low asset base.

Health Grade Components

Overall
NCUA #9590
Year Chartered1954
Employees2
Primary Regulator
Profit Margin
Return on Assets - YTD0.07%
Return on Equity - YTD0.39%
Annual Interest Income$104.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$8.3MM$8.9MM
LoansQ2 2016vs Q2 2015$4.5MM$4.7MM
DepositsQ2 2016vs Q2 2015$6.8MM$7.3MM
Equity CapitalQ2 2016vs Q2 2015$1.6MM$1.5MM
Loan Loss AllowanceQ2 2016vs Q2 2015$138.00K$170.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$14.00K$62.00K
Real Estate OwnedQ2 2016vs Q2 2015$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%-$2,500Holiday Club Account
0.15%$25-Kids Share Account

Espeeco Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$1k-9 Month CD
0.30%$1k-12 Month CD
0.25%$1k-6 Month CD
0.20%$1k-3 Month CD

Espeeco Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$1k-9 Month IRA CD
0.30%$1k-12 Month IRA CD
0.25%$1k-6 Month IRA CD
0.20%$1k-3 Month IRA CD
Locations


Espeeco Federal Credit Union Locations
Branch Office1015 Sumner StBakersfield, CA 93305-5254