ESPEECO
Charter #9590 · Bakersfield, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.50% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 4.47% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.33% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -2.94% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 96.99% sits at the 87th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ESPEECO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.37M | 11th pct | 44th pct |
| Members | 1,058 | 7th pct | 30th pct |
| Net worth ratio | 7.50% | 3th pct | 0th pct |
| Return on average assets | 1.02% | 69th pct | 70th pct |
| Net interest margin | 4.47% | 77th pct | 79th pct |
| Cost of funds | 0.62% | 39th pct | 48th pct |
| Loan-to-share | 52.80% | 43th pct | 43th pct |
| Delinquency 60+ days | 1.33% | 75th pct | 82th pct |
| Net charge-off ratio | -2.94% | 0th pct | 0th pct |
| Loan growth YoY | -2.88% | 46th pct | 59th pct |
| Share growth YoY | 5.94% | 80th pct | 72th pct |
| Efficiency ratio | 96.99% | 86th pct | 87th pct |
structural peer set hash: 2e9a625b131697003c8744eb8fea9e48… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.