Side-by-side · Q2 2026 data
Espeeco Federal Credit Union vs United Association Credit Union
Credit union
Espeeco Federal Credit Union
Bakersfield, California · Under $100 million in assets
Metric by metric
| Measure | Espeeco Federal Credit Union | United Association Credit Union |
|---|---|---|
| TellerScore | 50 | 80 (stronger) |
| Capital cushion | 20 | 100 (stronger) |
| Loan quality | 78 | 85 (stronger) |
| Earnings | 0 | 21 (stronger) |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 9th | 65th |
| Total assets | $12.0M | $14.3M |
| Deposits / shares | $11.3M | $11.8M |
| Capital ratio | 7.03% | 17.30% (stronger) |
| Problem loans | 0.65% | 0.45% (stronger) |
| Net charge-offs | 0.36% | -0.02% (stronger) |
| Return on assets | -0.86% | 0.02% (stronger) |
| Loans ÷ deposits | 55.6% (stronger) | 62.3% |
| Uninsured deposits | 4.1% | 1.7% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Association Credit Union has the higher TellerScore (80 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Espeeco Federal Credit Union leads on 1 and United Association Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.