ESPEECO
Federal • Bakersfield, California • Est. 1954
Quick Facts
- Charter Number
- #9590
- Type
- Federal
- Established
- 1954
- Headquarters
- Bakersfield, California 93301-1913
- Address
- 2801 H St
- Branches
- 3
- Members
- 1,058
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 7% and a delinquency rate below 2%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
1,058 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ESPEECO |
|---|---|
| Total Assets | $12.4M |
| Members | 1,058 |
| Loans Outstanding | $6.1M |
| Shares & Deposits | $11.6M |
| Net Worth | $928K |
| Net Worth Ratio | 7.50% |
| Loan-to-Share Ratio | 52.8% |
| Delinquency Rate | 1.33% |
| Net Income | +$31,229 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
3 locations
Espeeco
Main Office2801 H St
Bakersfield, CA 93301-1913
T.W. Telecom
5425 E Raines Rd Ste 6
Memphis, TN 38115
Share One Corp.
2650 Thousand Oaks Blvd
Memphis, TN 38118
Who Can Join ESPEECO?
Membership Type: Community
Membership eligibility for ESPEECO may vary. Contact the credit union directly to confirm qualification requirements.
Contact ESPEECO directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
ESPEECO is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, ESPEECO has 1,058 members and a potential membership field of 2,500 people.
ESPEECO's reported net worth ratio is 7.50% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
ESPEECO operates 3 branch locations. The main office is located at 2801 H St, Bakersfield, CA 93301-1913.
ESPEECO was established in 1954. It is a federal credit union chartered under charter number 9590. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or ESPEECO. All financial data is for informational purposes only.