Espeeco
Bakersfield, CA · Charter 9590 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 2 branches
Q2 2026
$12.0MAssets
$6.3MLoans
$11.3MShares
$845KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 70% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 6 of 20).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 20 of 20).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.86%
Rank 19 of 20
Net Interest Margin
4.24%
Rank 6 of 20
Efficiency Ratio
103.46%
Rank 18 of 20
Equity / Assets
7.03%
Rank 20 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.86% | 0.17% | 0.80% | 1.30% | Beats 5% | 19 / 20 | |
| Return on Equity | -12.31% | 1.70% | 5.99% | 7.93% | Beats 0% | 20 / 20 | |
| Net Interest Margin | 4.24% | 3.56% | 3.85% | 4.24% | Beats 70% | 6 / 20 | |
| Efficiency Ratio | 103.46% | 66.59% | 84.75% | 93.62% | Beats 15% | 18 / 20 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.32% | 0.63% | 1.03% | Beats 40% | 13 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.03% | 13.24% | 17.38% | 21.71% | Beats 0% | 20 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.03% | 13.24% | 17.38% | 21.71% | Beats 0% | 20 / 20 | |
| Liquidity & Funding |
| Loans / Deposits | 55.59% | 36.24% | 50.72% | 82.35% | 55th pctl | 9 / 20 | |
| Loans / Assets | 52.34% | 30.61% | 46.06% | 66.54% | 55th pctl | 9 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |