Side-by-side · Q2 2026 data
Espeeco Federal Credit Union vs L.A. Healthcare Federal Credit Union
Credit union
Espeeco Federal Credit Union
Bakersfield, California · Under $100 million in assets
Credit union
L.A. Healthcare Federal Credit Union
Los Angeles, California · Under $100 million in assets
Metric by metric
| Measure | Espeeco Federal Credit Union | L.A. Healthcare Federal Credit Union |
|---|---|---|
| TellerScore | 50 | 53 (stronger) |
| Capital cushion | 20 | 33 (stronger) |
| Loan quality | 78 (stronger) | 69 |
| Earnings | 0 | 8 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 9th | 12th |
| Total assets | $12.0M | $14.9M |
| Deposits / shares | $11.3M | $13.6M |
| Capital ratio | 7.03% | 8.32% (stronger) |
| Problem loans | 0.65% (stronger) | 0.92% |
| Net charge-offs | 0.36% (stronger) | 0.87% |
| Return on assets | -0.86% | -0.31% (stronger) |
| Loans ÷ deposits | 55.6% | 36.1% (stronger) |
| Uninsured deposits | 4.1% | 1.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
L.A. Healthcare Federal Credit Union has the higher TellerScore (53 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Espeeco Federal Credit Union leads on 2 and L.A. Healthcare Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.