Side-by-side · Q2 2026 data
Westamerica Bank vs Espeeco Federal Credit Union
Credit union
Espeeco Federal Credit Union
Bakersfield, California · Under $100 million in assets
Metric by metric
| Measure | Westamerica Bank | Espeeco Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 50 |
| Capital cushion | 53 (stronger) | 20 |
| Loan quality | 96 (stronger) | 78 |
| Earnings | 94 (stronger) | 0 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 86th | 9th |
| Total assets | $5.8B | $12.0M |
| Deposits / shares | $4.8B | $11.3M |
| Capital ratio | 10.27% (stronger) | 7.03% |
| Problem loans | 0.12% (stronger) | 0.65% |
| Net charge-offs | 0.14% (stronger) | 0.36% |
| Return on assets | 1.84% (stronger) | -0.86% |
| Loans ÷ deposits | 13.8% (stronger) | 55.6% |
| Uninsured deposits | 49.6% | 4.1% (stronger) |
| Offices | 75 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Westamerica Bank has the higher TellerScore (78 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Westamerica Bank leads on 6 and Espeeco Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.