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ESPEECO FEDERAL CREDIT UNION

Dec, 31, 2023 — ESPEECO FEDERAL CREDIT UNION is a federal credit union headquartered in BAKERSFIELD, CA with 1 branch location and about $11.02 million in total assets. Opened 70 years ago in 1954, ESPEECO FEDERAL CREDIT UNION has about 1,191 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 322273667
Name:ESPEECO FEDERAL CREDIT UNION
Address:
(Main Office)
2801 H St
BAKERSFIELD, CA 93301-1913
Phone:(661) 327-5548
Fax:(661) 327-9791
Website:https://www.espeeco.org
Branches:1 branch locations
Members:1,191
Credit Union Type:Federal Credit Union
Charter Number:9590
Membership Type:Multiple common bond - Primarily transportation
Corporate Credit Union:No
Year Opened:1954
Last Audited:Sep 01, 2023
FHLB Member:No
Low Income Designation:No
Assets:$11,022,456
CEO/Manager:MANDY L PHIPPEN
Chairperson:JUDE HUPP

Call Report

  • Payday Alternative Loans (PAL Loans)
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 719,630
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 444,944
 Unsecured Loans 449,034
 Other Loans 5,469,850
 TOTAL LOANS 6,363,828
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -125,067
 Land And Building 613,450
 Other Fixed Assets 12,843
 NCUSIF Deposit 110,256
 All Other Assets 0
  TOTAL ASSETS 11,022,456
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 3,647
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,382,910
 Regular shares 7,947,306
 All Other Shares & Deposits 1,039,521
  TOTAL SHARES & DEPOSITS 10,369,737
  TOTAL LIABILITIES 10,373,384
 Regular Reserve 0
 Other Reserves -165,910
 Undivided Earnings 814,982
  TOTAL EQUITY 649,072
  TOTAL LIABILITIES, SHARES, & EQUITY 11,022,456
INCOME & EXPENSE  
 Loan Income 347,397
 Investment Income 151,433
 Other Income 81,652
 Total Employee Compensation & Benefits 166,659
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 333,418
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 36,670
 Cost of Funds 31,980
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 19,600
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