Side-by-side · Q2 2026 data
Espeeco Federal Credit Union vs Mid-Cities Credit Union
Credit union
Espeeco Federal Credit Union
Bakersfield, California · Under $100 million in assets
Metric by metric
| Measure | Espeeco Federal Credit Union | Mid-Cities Credit Union |
|---|---|---|
| TellerScore | 50 | 54 (stronger) |
| Capital cushion | 20 | 21 (stronger) |
| Loan quality | 78 (stronger) | 77 |
| Earnings | 0 | 21 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 9th | 13th |
| Total assets | $12.0M | $16.0M |
| Deposits / shares | $11.3M | $14.6M |
| Capital ratio | 7.03% | 7.11% (stronger) |
| Problem loans | 0.65% (stronger) | 0.69% |
| Net charge-offs | 0.36% (stronger) | 1.73% |
| Return on assets | -0.86% | 0.01% (stronger) |
| Loans ÷ deposits | 55.6% | 35.7% (stronger) |
| Uninsured deposits | 4.1% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mid-Cities Credit Union has the higher TellerScore (54 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Espeeco Federal Credit Union leads on 2 and Mid-Cities Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.