Sep, 30, 2025 — ESPEECO FEDERAL CREDIT UNION is a federal credit union headquartered in BAKERSFIELD, CA with 1 branch location and about $11.69 million in total assets. Opened 72 years ago in 1954, ESPEECO FEDERAL CREDIT UNION has about 1,087 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.
| 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: | 1,087 |
| 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, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $11,693,050 |
| CEO/Manager: | MANDY L PHIPPEN |
| Chairperson: | JUDE HUPP |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,452,511 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 286,307 |
| Unsecured Loans | 489,683 |
| Other Loans | 5,520,242 |
| TOTAL LOANS | 6,296,232 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -57,862 |
| Land And Building | 0 |
| Other Fixed Assets | 7,220 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 105,768 |
| All Other Assets | 0 |
| TOTAL ASSETS | 11,693,050 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 18,346 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,140,456 |
| Regular shares | 7,530,460 |
| All Other Shares & Deposits | 2,260,239 |
| TOTAL SHARES & DEPOSITS | 10,931,155 |
| TOTAL LIABILITIES | 10,949,501 |
| Regular Reserve | 0 |
| Other Reserves | -165,285 |
| Undivided Earnings | 908,834 |
| TOTAL EQUITY | 743,549 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 11,693,050 |
| INCOME & EXPENSE | |
| Loan Income | 289,142 |
| Investment Income | 124,726 |
| Other Income | 48,711 |
| Total Employee Compensation & Benefits | 142,662 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 268,379 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -11,652 |
| Cost of Funds | 79,867 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -11,701 |
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