Credit Union Safety Analysis
Is Espeeco Federal Credit Union Safe? Bakersfield, California
Based on its Q2 2026 NCUA 5300 call report, Espeeco Federal Credit Union has a net worth ratio of 7.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.65%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Espeeco Federal Credit Union's net worth ratio is 7.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.03%
- Delinquency ratio (60+ days) (Q2 2026): 0.65%
- Return on assets (Q2 2026): -2.76%
- Loan-to-share ratio (Q2 2026): 55.59%
Espeeco Federal Credit Union (NCUA charter 9590, established 1954) reported $12.0M in assets and 1,057 members for Q2 2026 from Bakersfield, California. It ranks 221 of 238 credit unions in California by total assets. Total assets fell 1.5% from $12.2M on June 30, 2025. It has 19 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was down 1.00 percentage points from 8.03% on June 30, 2025. New vehicle loans are its largest loan category, $2.7M of $6.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.65% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 7.50% for Q1 2026; 8.03% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.33% for Q1 2026; 1.09% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.01% for Q1 2026; -1.19% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 52.80% for Q1 2026; 53.48% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $2.7M
- Used vehicle loans: $2.1M
- Other secured non-real estate loans and lines of credit: $767K
- Other unsecured loans and lines of credit: $449K
- 1- to 4-family residential and other consumer real estate loans: $269K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $12.0M | 7.03% | 0.65% | -2.76% | 55.59% |
| March 31, 2026 | $12.4M | 7.50% | 1.33% | 1.01% | 52.80% |
| December 31, 2025 | $12.2M | 7.36% | 1.17% | -0.39% | 54.66% |
| September 30, 2025 | $11.7M | 7.77% | 0.59% | -2.44% | 57.60% |
| June 30, 2025 | $12.2M | 8.03% | 1.09% | -1.19% | 53.48% |
| March 31, 2025 | $11.9M | 8.55% | 0.95% | 3.24% | 53.31% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Espeeco Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9590) · FFIEC NIC profile (RSSD 53882)
Frequently asked questions
Is Espeeco Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Espeeco Federal Credit Union's net worth ratio is 7.03%, above the 7% NCUA threshold for well capitalized.
Is Espeeco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Espeeco Federal Credit Union is a federally insured credit union (NCUA charter 9590): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Espeeco Federal Credit Union's key safety ratios?
For Q2 2026, Espeeco Federal Credit Union reports net worth 7.03%, delinquency 0.65%, ROA -2.76%, loan-to-share 55.59%.
What happens to my money if Espeeco Federal Credit Union fails?
For Q2 2026, Espeeco Federal Credit Union held $11.3M in shares and deposits for 1,057 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.