credit union · NCUA 9590 · CA
How big is ESPEECO?
ESPEECO (CA, NCUA charter 9590) reported total assets of $12.0M, 1,057 members and a net worth ratio of 7.03% in its Call Report for 2026Q2. That ranks 3416 of 4,299 federally insured credit unions by assets, 1023 of 1,135 among credit unions with $10m-$50m in assets, 221 of 239 credit unions in california.
What stands out
ESPEECO (CA, NCUA charter 9590) reported total assets of $12.0M, 1,057 members and a net worth ratio of 7.03% in its Call Report for 2026Q2. That ranks 3416 of 4,299 federally insured credit unions by assets, 1023 of 1,135 among credit unions with $10m-$50m in assets, 221 of 239 credit unions in california. Against its size class: net worth ratio 7.03%, below the peer median of 13.88%; loan-to-share ratio 55.59%, below the peer median of 57.77%; return on assets -0.86%, below the peer median of 0.70%. At 7.03% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $12.0M | $25.2M | $205.9M | $68.3M | record → |
| Shares and deposits | $11.3M | $21.4M | $179.4M | $58.3M | record → |
| Loans outstanding | $6.3M | $11.2M | $125.6M | $34.4M | record → |
| Net income (year to date) | $-51.6k | $82.1k | $432.9k | $222.2k | record → |
| Net worth | $845.2k | $3.4M | $25.9M | $9.0M | record → |
| Net worth ratio | 7.03% | 13.88% | 11.30% | 12.65% | record → |
| Loan-to-share ratio | 55.59% | 57.77% | 72.15% | 68.70% | computed |
| Return on assets | -0.86% | 0.70% | 0.56% | 0.71% | computed |
| Members | 1,057 | 2,092 | 11,423 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $12.0M | $11.3M | $6.3M | $-51.6k | 7.03% | 1,057 | 3416 |
| 2026Q1 | $12.4M | $11.6M | $6.1M | $31.2k | 7.50% | 1,058 | 3424 |
| 2025Q4 | $12.2M | $11.4M | $6.2M | $-23.7k | 7.36% | 1,076 | 3445 |
| 2025Q3 | $11.7M | $10.9M | $6.3M | $-11.7k | 7.77% | 1,087 | 3493 |
| 2025Q2 | $12.2M | $11.4M | $6.1M | $59.8k | 8.03% | 1,076 | 3496 |
| 2025Q1 | $11.9M | $11.0M | $5.9M | $96.2k | 8.55% | 1,075 | 3542 |
| 2024Q4 | $11.7M | $10.9M | $6.1M | $238.1k | 7.85% | 1,082 | 3562 |
| 2024Q3 | $11.1M | $10.3M | $6.4M | $143.2k | 8.65% | 1,080 | 3621 |
| 2024Q2 | $11.1M | $10.3M | $6.3M | $85.9k | 8.47% | 1,081 | 3651 |
| 2024Q1 | $11.7M | $10.9M | $6.2M | $138.0k | 8.14% | 1,192 | 3636 |
| 2023Q4 | $11.0M | $10.4M | $6.4M | $19.6k | 7.39% | 1,191 | 3695 |
| 2023Q3 | $11.5M | $10.8M | $6.5M | $21.0k | 7.22% | 1,198 | 3700 |
| 2023Q2 | $12.2M | $11.6M | $6.4M | $16.4k | 6.71% | 1,208 | 3683 |
| 2023Q1 | $11.9M | $11.3M | $6.1M | $-5.7k | 6.70% | 1,198 | 3732 |
| 2022Q4 | $12.0M | $11.4M | $5.7M | $-104.6k | 6.70% | 1,180 | 3758 |
| 2022Q3 | $12.1M | $11.5M | $5.1M | $-149.4k | 6.28% | 1,178 | 3787 |
| 2022Q2 | $12.4M | $11.8M | $4.9M | $-148.0k | 6.16% | 1,169 | 3789 |
| 2022Q1 | $12.4M | $11.8M | $4.5M | $-125.3k | 6.32% | 1,160 | 3819 |
| 2021Q4 | $12.4M | $11.6M | $4.6M | $-69.6k | 7.36% | 1,153 | 3823 |
| 2021Q3 | $11.8M | $11.0M | $4.5M | $-48.4k | 7.92% | 1,206 | 3883 |
| 2021Q2 | $11.5M | $10.7M | $4.6M | $-25.4k | 8.29% | 1,207 | 3916 |
| 2021Q1 | $11.6M | $10.8M | $4.5M | $-8.8k | 8.36% | 1,208 | 3930 |
| 2020Q4 | $11.1M | $10.2M | $4.6M | $-104.8k | 8.82% | 1,232 | 3935 |
| 2020Q3 | $10.6M | $9.7M | $4.3M | $-59.5k | 9.70% | 1,241 | 3977 |
| 2020Q2 | $10.2M | $9.3M | $4.3M | $-38.3k | 10.21% | 1,234 | 3998 |
| 2020Q1 | $10.1M | $9.2M | $4.3M | $-17.0k | 10.53% | 1,786 | 3979 |
| 2019Q4 | $9.4M | $8.5M | $4.4M | $-307.9k | 11.49% | 1,759 | 4043 |
| 2019Q3 | $10.4M | $9.5M | $4.4M | $-299.5k | 10.46% | 1,742 | 3976 |
| 2019Q2 | $10.4M | $9.4M | $4.3M | $-303.1k | 10.47% | 1,706 | 3998 |
| 2019Q1 | $10.6M | $9.7M | $3.9M | $-371.8k | 9.64% | 1,523 | 3994 |
| 2018Q4 | $10.5M | $9.2M | $3.9M | $-118.3k | 13.31% | 1,426 | 4008 |
| 2018Q3 | $10.8M | $9.4M | $3.5M | $-87.5k | 13.31% | 1,174 | 4012 |
| 2018Q2 | $10.2M | $8.9M | $3.5M | $-61.4k | 14.23% | 1,248 | 4077 |
| 2018Q1 | $9.5M | $8.1M | $3.7M | $-28.6k | 15.70% | 1,516 | 4192 |
| 2017Q4 | $8.2M | $6.8M | $3.9M | $-83.5k | 18.42% | 1,633 | 4321 |
| 2017Q3 | $8.3M | $7.0M | $4.1M | $-262.9k | 16.10% | 1,224 | 4361 |
| 2017Q2 | $8.3M | $6.8M | $4.1M | $-57.3k | 18.63% | 1,248 | 4395 |
| 2017Q1 | $8.7M | $7.2M | $4.0M | $-17.9k | 18.21% | 1,246 | 4375 |
| 2016Q4 | $8.4M | $6.9M | $4.2M | $-14.1k | 18.98% | 1,240 | 4392 |
| 2016Q3 | $8.4M | $6.8M | $4.3M | $-5.2k | 19.23% | 1,247 | 4432 |
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