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
Call Report peers
ESPEECO in the assets neighbourhood
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ESPEECO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ESPEECO sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in California, HONDA (#179) ties at 77/100; one place down, U.S.B. Employees (#181) scores 76/100, 1 point lower.
Quarter path for ESPEECO
ESPEECO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $12.2M (2025Q4) to $12.4M (2026Q1).
- Net-worth ratio shifted +0.14 pp (7.36% → 7.50%).
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
ESPEECO gives up 23 points in total. Member Growth costs the most, 7 of its 15; Return on Assets scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ESPEECO financially healthy?
On its 2025Q4 NCUA 5300 filing, ESPEECO scores 77/100 (Very Good), with a 7.50% net worth ratio and 1.17% of loans delinquent. It ranks #3,134 of 4,374 nationally on health and #180 of 243 in California.
How does ESPEECO compare to other credit unions?
ESPEECO scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.95% vs 0.70%). Its widest shortfall is net worth ratio (7.50% vs 14.86%).
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?
ESPEECO is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.