Espeeco
Espeeco is a credit union based in Bakersfield, California, established in 1954, with $12 million in total assets serving 1,058 members. By Trust Grade it ranks 174th of 241 credit unions we track in California. Its net worth ratio of 7.5% trails most similarly sized credit unions (3th percentile), versus a California median of 11.1%. It was profitable over the most recent period, with a 1.01% return on assets. No consumer complaints against Espeeco appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Espeeco compares to California peers
How we graded Espeeco
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.5% capital ratio)
- Strongly profitable (ROA 1.01%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Espeeco over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Espeeco insured?
Yes. Espeeco is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Espeeco: frequently asked questions
Is Espeeco a good credit union?
Espeeco earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 82/100 (it has no CFPB complaints on record). Well-capitalized (7.5% capital ratio); Strongly profitable (ROA 1.01%).
Is Espeeco NCUA-insured?
Yes. Espeeco is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Espeeco?
Espeeco holds $12 million in total assets, ranking 174th of 241 credit unions we track in California. It serves 1,058 members.
Does Espeeco have CFPB complaints?
No CFPB complaints against Espeeco appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
