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Espeeco Credit Union Share
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Overview Share
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Espeeco Credit Union is a federal credit union based in Bakersfield, California. It has been opened since 1954, for 68 years.

With around $10,460,000 in assets, Espeeco Credit Union is considered to be a medium size credit union.

About Share
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Address 2801 H. Street
Bakersfield, California 93301
Website http://www.espeeco.org
Phone (661) 327-5548
Fax (661) 327-9791
CEO Mandy L. Phippen
President of the Board Jay Stockton
Services Offered
Score Card Share
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68 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
1,426 members
Membership type: Multiple common bond – primary transportation
Below average number of members
407:1
Credit union member to staff ratio
407 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$10,458,807
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 5 in California
Above average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 5 in California
Above average number of branches
Espeeco Credit Union Branch Locations

Espeeco Credit Union: Espeeco
2801 H. Street
Bakersfield, California 93301
No ATM
Espeeco Credit Union: Share One Corp
2650 Thousand Oaks Boulevard
Memphis, Tennessee 38118
No ATM
Members Share
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1,426 members
Membership type: Multiple common bond – primary transportation
Below average number of members

With 1,426 members, the Espeeco Credit Union is considered to be a small credit union. It is smaller than 74% of credit unions.

Fees Share
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$52
Average fee per member
The average fee per member at the Espeeco Credit Union is $52, which is comparable to most credit unions. This rate is lower than 47% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Espeeco Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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407:1
Credit union member to staff ratio
407 per each FTE employee
Compared to 411:1 nationally
Fewer staff
4 staff members
FTE (full-time equivalent)
25% of employees are part-time
3 full-time, 1 part-time

Espeeco Credit Union has 3 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 75% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Espeeco Credit Union has around 407 members per staff, a higher ratio compared to other credit unions.

Assets Share
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$10,458,807
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$11,278
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 60% of credit unions.

Espeeco Credit Union holds a total of $3,910,000 in loans and leases, which is about $11,278 per member on average.

Savings interest rate Share
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0.15%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Espeeco Credit Union pays 0.15%.

Loan rates Share
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12.95%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.66%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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5.79%
New car loan rate
Compared to 4.0% nationally
7.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.24%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Espeeco Credit Union: Share One Corp
Credit Union Branch: 2650 Thousand Oaks Boulevard
Memphis, Tennessee 38118 No ATM