Federal credit union · Bakersfield, California · NCUA charter #9590
ESPEECO
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $12.2M
- Total assets
- 1,076
- Members
- 7.5%
- Net-worth ratio
ESPEECO scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.2M; members 1,076; net-worth ratio 7.50%; health rank #3,134 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,134 of 4,374 health · 2025Q4ESPEECO · health 77/100 · $12.2M · 2025Q4
- HEALTH 77/100
- NW 7.5%
- DELQ 1.17%
- ROA 1.95%
- ASSETS $12.2M
- MEM 1,076
- RANK #3,134/4,374
- PHOTO Employees United
- BOOK 9590
Call Report peers
ESPEECO in the assets neighbourhood
ESPEECO's $12.2M assets sit next to Employees United ($12.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ESPEECO vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ESPEECO - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9590, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
ESPEECO vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +1.25 pp (1.95% vs 0.70%).
- Largest lag: Net Worth Ratio at 7.50% vs peer 14.86% (-7.36 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ESPEECO in California
- In California, health place is #180 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, ESPEECO is #224 of 243 in California.
- Member book place in California: #221 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for ESPEECO
ESPEECO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $12.2M (2025Q4) to $12.4M (2026Q1).
- Net-worth ratio shifted +0.14 pp (7.36% → 7.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.50% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 23.7 pts
- Delinquency Rate 18.7 pts
- Return on Assets 15.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 11.6 pts
ESPEECO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.50% | -7.36 pp |
| Delinquency Rate | 1.17% | +0.03 pp |
| Return on Assets | 1.95% | +1.25 pp |
| Member Growth | -0.55% | - |
| Loan-to-Share Ratio | 54.66% | -5.14 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - ESPEECO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.4M | - |
| 2025Q4 | $12.2M | 1,076 |
| 2024Q4 | $11.7M | 1,082 |
| 2023Q4 | $11.0M | 1,191 |
Credit Union Details
- Charter Number
- 9590
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- California
- City
- Bakersfield
- Data Quarter
- 2025Q4
Branch Locations (3)
ESPEECO operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Espeeco (Main Office) | Bakersfield, CA |
| T.W. Telecom | Memphis, TN |
| Share One Corp. | Memphis, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for ESPEECO
Cross-state asset and health neighbours for ESPEECO - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- ESPEECO ranks #3,134 of 4,374 nationally on financial health and #180 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Atchison Village is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Atchison Village
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ESPEECO financially healthy?
ESPEECO scores 77/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,134 of 4,374; by total assets it ranks #3,445 of 4,374 nationally (same basis as /rankings/largest); and #224 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.50% net worth ratio and a 1.17% delinquency rate.
How does ESPEECO compare to other credit unions?
Five weighted metrics from NCUA filings produce ESPEECO's 77/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ESPEECO?
ESPEECO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ESPEECO directly for the exact boundaries and application steps.
Is my money safe at ESPEECO?
Federal credit unions like ESPEECO are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ESPEECO's net worth ratio of 7.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ESPEECO offer compared to banks?
Credit unions like ESPEECO are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ESPEECO directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.