Espeeco Federal Credit Union
Overview / Commentary
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.
Health
C+
Data as of Q2 2016
Learn more about bank healthAdditional 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 Chartered | 1954 |
| Employees | 2 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.07% |
| Return on Equity - YTD | 0.39% |
| Annual Interest Income | $104.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $8.3MM$8.9MM |
| Loans | Q2 2016vs Q2 2015 | $4.5MM$4.7MM |
| Deposits | Q2 2016vs Q2 2015 | $6.8MM$7.3MM |
| Equity Capital | Q2 2016vs Q2 2015 | $1.6MM$1.5MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $138.00K$170.00K |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $14.00K$62.00K |
| Real Estate Owned | Q2 2016vs Q2 2015 | $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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.40% | - | - | Traditional IRA | |
| 0.40% | - | - | Roth IRA | |
| 0.40% | - | - | Educational IRA | |
| 0.15% | $250 | - | Regular Shares | |
| 0.15% | - | $2,500 | Holiday Club Account | |
| 0.15% | $25 | - | Kids Share Account |
Espeeco Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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 Office | 1015 Sumner St | Bakersfield, CA 93305-5254 |