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ESPEECO FEDERAL CREDIT UNION

Dec, 31, 2022 — ESPEECO FEDERAL CREDIT UNION is a federal credit union headquartered in BAKERSFIELD, CA with 1 branch location and about $12.11 million in total assets. Opened 69 years ago in 1954, ESPEECO FEDERAL CREDIT UNION has about 1,178 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:1,178
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:Aug 01, 2021
FHLB Member:No
Low Income Designation:No
Assets:$12,106,480
CEO/Manager:MANDY L PHIPPEN
Chairperson:JUDE HUPP

Call Report

  • Payday Alternative Loans (PAL Loans)

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 1,823,018
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 476,765
 Unsecured Loans 444,448
 Other Loans 4,136,714
 TOTAL LOANS 5,057,927
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -123,900
 Land And Building 642,617
 Other Fixed Assets 18,468
 NCUSIF Deposit 114,393
 All Other Assets 0
  TOTAL ASSETS 12,106,480
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities -40,821
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,418,567
 Regular shares 9,455,293
 All Other Shares & Deposits 662,752
  TOTAL SHARES & DEPOSITS 11,536,612
  TOTAL LIABILITIES 11,495,791
 Regular Reserve 0
 Other Reserves 283,450
 Undivided Earnings 327,239
  TOTAL EQUITY 610,689
  TOTAL LIABILITIES, SHARES, & EQUITY 12,106,480
INCOME & EXPENSE  
 Loan Income 192,206
 Investment Income 29,335
 Other Income 54,691
 Total Employee Compensation & Benefits 106,952
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 213,201
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 100,000
 Cost of Funds 12,011
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -149,433
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