Espeeco Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.2 has resulted in Weak (2.8) profitability.
Other Rating Factors:
Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 7.4. A current level of 12.1 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Fair asset quality (4.0).
Asset Mix:
Consumer loans (47%), home mtgs (3%), other (51%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2801 H Street
Bakersfield, CA 93301
Bakersfield, CA 93301
Phone Number
(661) 846-3800
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Bakersfield, CA
Bakersfield, CA
Bakersfield, CA
Bakersfield, CA
