ESPEECO Credit Union Profile

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ESPEECO

Charter #9590 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (661) 327-5548

Fax: (661) 327-9791

Founding Date: N/A

Website: http://www.espeeco.org

Personnel & Operations

President: HUPP, JUDE

Manager: PHIPPEN, MANDY

FT Employees: 2

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 52

Branches: 1

Hours: 8:30am to 5:00 pm

Credit Union Profile Summary

ESPEECO is a FCU Credit Union. With a total of 1,076 members [1], this institution manages approximately $12,214,450 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.03% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.76% [1].

Financial Snapshot

Total Assets [1]
$12,214,450

Total economic resources.

Total Loans [1]
$6,072,186

Total value of outstanding loans.

Total Deposits [1]
$11,354,430

Total funds deposited by members.

Members [1]
1,076

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.03%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.00%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
53.48%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 10.11%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -3.76%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -0.46%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2801 H St

Bakersfield, CA, 93301-1913
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by ESPEECO (Charter #9590).

Main Office

Espeeco Main Office

Type: Corporate Office

2801 H St

Bakersfield, CA 93301-1913

Phone: (661) 327-5548

Services: Member Services

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Additional Branches

Memphis

Share One Corp.

Type: Corporate Office

2650 Thousand Oaks Blvd

Memphis, TN 38118

Phone: (800) 888-0766

Services: None specified

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