Credit union · NCUA insured
Espeeco Federal Credit Union
A $12.4M credit union headquartered in Bakersfield, CA, with 1,058 members and 1 branch in California. Best rates: CDs 2.00% and savings 0.10% APY.
Espeeco Federal Credit Union Carrot Score
62
Carrot Score
Higher than 7% of U.S. banks and credit unions
#20 of 21 in Bakersfield, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Espeeco Federal Credit Union
Espeeco Federal Credit Union is based in Bakersfield, California, and opened in 1954.
The credit union was organized in 1952 to serve Southern Pacific employees in Bakersfield.
- Headquarters
- 2801 H St, Bakersfield, CA 93301-1913
- NCUA charter
- 9590
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Affiliation with one of the credit union's Select Employer Groups (SEGs) qualifies for membership.
Family and household
- Immediate family members of an existing member are eligible for membership.
Cost to join
- An opening deposit of $25.00 is required for a share in the credit union.
Branches
1 branch in California
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California
1 branch
- EspeecoMain office2801 H St, Bakersfield, CA 93301Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.03% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.65% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.85% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $56 | $59 | — |
- CapitalNet worth ratio7.03%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.65%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.85%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$56Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Espeeco Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.