Espeeco Federal Credit Union
Overview / Commentary
Espeeco Federal Credit Union is headquartered in Bakersfield and is the 273rd largest credit union in the state of California. It is also the 4,077th largest credit union in the nation. It was established in 1954 and as of June of 2018, it had grown to 3 employees and 1,248 members at 1 location. Espeeco Federal Credit Union has a B+ health rating.
Health
B+
Data as of Q2 2018
Learn why bank health mattersAdditional 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 Chartered | 1954 |
| Employees | 3 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -1.24% |
| Return on Equity - YTD | -8.87% |
| Annual Interest Income | $104.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2018vs Q2 2017 | $10.2MM$8.3MM |
| Loans | Q2 2018vs Q2 2017 | $3.5MM$4.1MM |
| Deposits | Q2 2018vs Q2 2017 | $8.9MM$6.8MM |
| Equity Capital | Q2 2018vs Q2 2017 | $1.4MM$1.5MM |
| Loan Loss Allowance | Q2 2018vs Q2 2017 | $128.00K$126.00K |
| Unbacked Noncurrent Loans | Q2 2018vs Q2 2017 | $17.00K$27.00K |
| Real Estate Owned | Q2 2018vs Q2 2017 | $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% | - | $2.5k | Holiday Club Account | |
| 0.15% | $25 | - | Kids Share Account |
Espeeco Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.30% | $5k | - | 9 Month CD | |
| 0.30% | $10k | - | 12 Month CD | |
| 0.25% | $2.5k | - | 6 Month CD | |
| 0.20% | $1k | - | 3 Month CD |
Espeeco Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.30% | $5k | - | 9 Month IRA CD | |
| 0.30% | $10k | - | 12 Month IRA CD | |
| 0.25% | $2.5k | - | 6 Month IRA CD | |
| 0.20% | $1k | - | 3 Month IRA CD |
Locations
| Espeeco Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 2801 H St | Bakersfield, CA 93301-1913 |