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
- 1,076
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
1,076 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ESPEECO |
|---|---|
| Total Assets | $12.2M |
| Members | 1,076 |
| Loans Outstanding | $6.2M |
| Shares & Deposits | $11.4M |
| Net Worth | $897K |
| Net Worth Ratio | 7.36% |
| Loan-to-Share Ratio | 54.7% |
| Delinquency Rate | 1.17% |
| Net Income | $-35,096 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View California RankingsFrequently Asked Questions
Yes. ESPEECO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ESPEECO has 1,076 members and a potential membership field of 2,500 people.
ESPEECO's net worth ratio is 7.36% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 7.4%, ESPEECO meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ESPEECO. All financial data is for informational purposes only.