Side-by-side · Q2 2026 data
Bakersfield City Employees Federal Credit Union vs Espeeco Federal Credit Union
Credit union
Bakersfield City Employees Federal Credit Union
Bakersfield, California · Under $100 million in assets
Credit union
Espeeco Federal Credit Union
Bakersfield, California · Under $100 million in assets
Metric by metric
| Measure | Bakersfield City Employees Federal Credit Union | Espeeco Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 50 |
| Capital cushion | 71 (stronger) | 20 |
| Loan quality | 99 (stronger) | 78 |
| Earnings | 35 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 59th | 9th |
| Total assets | $30.1M | $12.0M |
| Deposits / shares | $26.4M | $11.3M |
| Capital ratio | 12.10% (stronger) | 7.03% |
| Problem loans | 0.03% (stronger) | 0.65% |
| Net charge-offs | 0.15% (stronger) | 0.36% |
| Return on assets | 0.38% (stronger) | -0.86% |
| Loans ÷ deposits | 52.8% (stronger) | 55.6% |
| Uninsured deposits | 1.1% (stronger) | 4.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bakersfield City Employees Federal Credit Union has the higher TellerScore (78 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Bakersfield City Employees Federal Credit Union leads on 7 and Espeeco Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.