Side-by-side · Q2 2026 data
Educational Systems Federal Credit Union vs Municipal Empl.Credit Union of Balt
Credit union
Educational Systems Federal Credit Union
Greenbelt, Maryland · $1 billion – $10 billion
Credit union
Municipal Empl.Credit Union of Balt
Baltimore, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | Educational Systems Federal Credit Union | Municipal Empl.Credit Union of Balt |
|---|---|---|
| TellerScore | 69 (stronger) | 62 |
| Capital cushion | 58 | 80 (stronger) |
| Loan quality | 83 (stronger) | 45 |
| Earnings | 55 (stronger) | 31 |
| Funding & liquidity | 72 | 84 (stronger) |
| Problem-loan coverage | 93 (stronger) | 84 |
| Peer percentile | 54th | 30th |
| Total assets | $1.4B | $1.3B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 10.79% | 12.97% (stronger) |
| Problem loans | 0.52% (stronger) | 1.66% |
| Net charge-offs | 0.35% (stronger) | 0.96% |
| Return on assets | 0.89% (stronger) | 0.28% |
| Loans ÷ deposits | 88.0% | 75.8% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 8.3% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Educational Systems Federal Credit Union has the higher TellerScore (69 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Educational Systems Federal Credit Union leads on 5 and Municipal Empl.Credit Union of Balt on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.