TellerScore

Headquartered in Bakersfield, California, Espeeco Federal Credit Union is a federal credit union with $12.0M in total assets and $11.3M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1954.

Espeeco Federal Credit Union has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 222nd. Funding & liquidity contributes the most (100/100, 56% loans-to-deposits, 4% uninsured); earnings contributes the least (0/100, -0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion20/100
Net worth ratio: 7.03%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.65%
Earnings0/100
Return on assets (annualized): -0.86%
Funding & liquidity100/100
Loans ÷ shares: 55.6% · 4.1% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (60 → 50), mostly because the earnings component weakened by 59 points.

TellerScore
486072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202472
Q4 202471
Q1 202572
Q2 202560
Q3 202556
Q4 202548
Q1 202657
Q2 202650
Net worth ratio
7.00%7.83%8.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.47%
Q3 20248.65%
Q4 20247.85%
Q1 20258.55%
Q2 20258.03%
Q3 20257.77%
Q4 20257.36%
Q1 20267.50%
Q2 20267.03%
Delinquent loans (60+ days)
0.59%1.24%1.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.90%
Q3 20240.64%
Q4 20240.75%
Q1 20250.95%
Q2 20251.09%
Q3 20250.59%
Q4 20251.17%
Q1 20261.33%
Q2 20260.65%
Return on assets
-0.86%1.19%3.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.55%
Q3 20241.72%
Q4 20242.03%
Q1 20253.24%
Q2 20250.98%
Q3 2025-0.13%
Q4 2025-0.19%
Q1 20261.01%
Q2 2026-0.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$12.0M7.03%0.65%-0.86%55.6%
Q1 202657$12.4M7.50%1.33%1.01%52.8%
Q4 202548$12.2M7.36%1.17%-0.19%54.7%
Q3 202556$11.7M7.77%0.59%-0.13%57.6%
Q2 202560$12.2M8.03%1.09%0.98%53.5%
Q1 202572$11.9M8.55%0.95%3.24%53.3%
Q4 202471$11.7M7.85%0.75%2.03%56.1%
Q3 202472$11.1M8.65%0.64%1.72%61.9%
Q2 202459$11.1M8.47%1.90%1.55%61.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.03%
2nd
Problem loans0.65%
52nd
Net charge-offs0.36%
35th
Return on assets-0.86%
8th
Loans to deposits55.6%
55th
Uninsured deposits4.1%
27th
Loan-loss reserves0.00%
37th
Texas ratio4.8%
30th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Comunidad Latina Federal Credit UnionCredit union Santa Ana, CA87 out of 100, Very strong$11.0M26.2%0.99%vs
Atchison Village Credit UnionCredit union Richmond, CA51 out of 100, Below average$13.3M11.3%2.01%vs
San Francisco Lee Federal Credit UnionCredit union San Francisco, CA85 out of 100, Very strong$10.7M53.3%0.00%vs
Redlands City Employees Federal Credit UnionCredit union Redlands, CA94 out of 100, Very strong$10.2M25.4%0.00%vs
United Association Credit UnionCredit union Concord, CA80 out of 100, Strong$14.3M17.3%0.45%vs
L.A. Healthcare Federal Credit UnionCredit union Los Angeles, CA53 out of 100, Below average$14.9M8.3%0.92%vs

Deposit insurance

Is my money safe at Espeeco Federal Credit Union?

Yes. Espeeco Federal Credit Union is a federally insured credit union (NCUA charter #9590). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.1% of shares and deposits ($462K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 7.03%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Espeeco Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Espeeco Federal Credit Union
Type
Federal credit union
NCUA charter #
9590
RSSD ID
53882
Primary regulator
NCUA
Established
1954
Headquarters
2801 H St, Bakersfield, CA 93301
Employees
3

Quick answers

Espeeco Federal Credit Union: common questions

Is Espeeco Federal Credit Union NCUA insured?

Yes. Espeeco Federal Credit Union is a federally insured credit union (NCUA charter #9590). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Espeeco Federal Credit Union's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Espeeco Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bakersfield

InstitutionScoreAssetsCapitalProblem loansCompare
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs
Chevron Federal Credit UnionCredit union Concord, CA81 out of 100, Strong$5.4B12.4%0.38%vs
Mission BankBank Bakersfield, CA80 out of 100, Strong$2.0B12.2%0.02%vs
Bakersfield City Employees Federal Credit UnionCredit union Bakersfield, CA78 out of 100, Strong$30.1M12.1%0.03%vs
Strata Federal Credit UnionCredit union Bakersfield, CA78 out of 100, Strong$344.5M14.2%0.23%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs