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Overview / Commentary
1015 Sumner St
Bakersfield, CA 93305

Espeeco Federal Credit Union is headquartered in Bakersfield and is the 290th largest credit union in the state of California. It is also the 4,391st largest credit union in the nation. It was established in 1954 and as of December of 2016, it had grown to 3 employees and 1,240 members at 1 location. Espeeco Federal Credit Union has a B health rating.


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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 very low asset base.

Health Grade Components

NCUA #9590
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD-0.17%
Return on Equity - YTD-0.91%
Annual Interest Income$204.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$8.4MM$8.5MM
LoansQ4 2016vs Q4 2015$4.2MM$5.0MM
DepositsQ4 2016vs Q4 2015$6.9MM$6.9MM
Equity CapitalQ4 2016vs Q4 2015$1.5MM$1.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$135.00K$171.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$46.00K$121.00K
Real Estate OwnedQ4 2016vs Q4 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

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

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

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

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