Side-by-side · Q2 2026 data
Educational Systems Federal Credit Union vs Point Breeze Credit Union
Credit union
Educational Systems Federal Credit Union
Greenbelt, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | Educational Systems Federal Credit Union | Point Breeze Credit Union |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 58 | 90 (stronger) |
| Loan quality | 83 | 89 (stronger) |
| Earnings | 55 (stronger) | 37 |
| Funding & liquidity | 72 | 80 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 54th | 84th |
| Total assets | $1.4B | $1.1B |
| Deposits / shares | $1.2B | $914.1M |
| Capital ratio | 10.79% | 14.02% (stronger) |
| Problem loans | 0.52% | 0.32% (stronger) |
| Net charge-offs | 0.35% | 0.18% (stronger) |
| Return on assets | 0.89% (stronger) | 0.42% |
| Loans ÷ deposits | 88.0% | 79.8% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 5.2% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.6% |
Point Breeze Credit Union has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Educational Systems Federal Credit Union leads on 2 and Point Breeze Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.