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ESPEECO FEDERAL CREDIT UNION

Jun, 30, 2021 — ESPEECO FEDERAL CREDIT UNION is a federal credit union headquartered in Bakersfield, CA with 1 branch location and about $11.51 million in total assets. Opened 67 years ago in 1954, ESPEECO FEDERAL CREDIT UNION has about 1,207 members and employs 4 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:http://www.espeeco.org
Branches:1 branch locations
Members:1,207
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$11,506,445
CEO/Manager:MANDY L PHIPPEN
Chairperson:Jay Stockton

Call Report

  • Payday Alternative Loans (PAL Loans)

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,531,112
TOTAL INVESTMENTS 2,597,368
Loans Held for Sale 0
 
 Real Estate Loans 685,868
 Unsecured Loans 451,607
 Other Loans 3,500,432
 TOTAL LOANS 4,637,907
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -97,482
 Land And Building 671,783
 Other Fixed Assets 22,372
 NCUSIF Deposit 102,499
 All Other Assets 40,886
  TOTAL ASSETS 11,506,445
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities -47,239
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,475,731
 Regular shares 8,539,302
 All Other Shares & Deposits 670,763
  TOTAL SHARES & DEPOSITS 10,685,796
  TOTAL LIABILITIES 10,638,557
 Regular Reserve 433,128
 Other Reserves -86,115
 Undivided Earnings 520,875
  TOTAL EQUITY 867,888
  TOTAL LIABILITIES, SHARES, & EQUITY 11,506,445
INCOME & EXPENSE  
 Loan Income 127,773
 Investment Income 10,160
 Other Income 32,318
 Total Employee Compensation & Benefits 63,051
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 127,845
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 8,292
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -25,363
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