Side-by-side · Q2 2026 data
Espeeco Federal Credit Union vs Atchison Village Credit Union
Credit union
Espeeco Federal Credit Union
Bakersfield, California · Under $100 million in assets
Credit union
Atchison Village Credit Union
Richmond, California · Under $100 million in assets
Metric by metric
| Measure | Espeeco Federal Credit Union | Atchison Village Credit Union |
|---|---|---|
| TellerScore | 50 | 51 (stronger) |
| Capital cushion | 20 | 63 (stronger) |
| Loan quality | 78 (stronger) | 33 |
| Earnings | 0 | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 (stronger) | 86 |
| Peer percentile | 9th | 10th |
| Total assets | $12.0M | $13.3M |
| Deposits / shares | $11.3M | $11.7M |
| Capital ratio | 7.03% | 11.27% (stronger) |
| Problem loans | 0.65% (stronger) | 2.01% |
| Net charge-offs | 0.36% (stronger) | 5.78% |
| Return on assets | -0.86% (stronger) | -1.93% |
| Loans ÷ deposits | 55.6% | 45.9% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 6.4% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Atchison Village Credit Union has the higher TellerScore (51 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Espeeco Federal Credit Union leads on 4 and Atchison Village Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.