ESPEECO
Bakersfield, CA · Federal Credit Union · Chartered in CA
Who can join
Multiple select employee groups
Members
1,058
Net Worth Ratio
7.50%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$12.4M
Peer Group 3
Members
1,058
as of latest quarter
Net Worth Ratio
7.50%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$12.4M
Total Shares
$11.6M
Total Loans
$6.1M
Net Income
$31K
Net Worth Ratio
7.50%
≥7% = Well Capitalized
Members
1,058
Return on Assets
0.25%
annualized · >0.5% healthy
Delinquency Rate (60d+)
1.00%
$61K
Loan-to-share ratio: 52.8%· healthy range 60–80%
Branch Locations
NCUAEspeeco
2801 H St, Bakersfield, CA, 93301-1913
8:30am to 5:00 pm
T.W. Telecom
5425 E Raines Rd Ste 6, Memphis, TN, 38115
Share One Corp.
2650 Thousand Oaks Blvd, Memphis, TN, 38118
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/espeeco" target="_blank" rel="noopener">View ESPEECO on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.