Side-by-side · Q2 2026 data
Educational Systems Federal Credit Union vs Topside Federal Credit Union
Credit union
Educational Systems Federal Credit Union
Greenbelt, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | Educational Systems Federal Credit Union | Topside Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 63 |
| Capital cushion | 58 (stronger) | 38 |
| Loan quality | 83 (stronger) | 62 |
| Earnings | 55 | 60 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 86 |
| Peer percentile | 54th | 29th |
| Total assets | $1.4B | $492.1M |
| Deposits / shares | $1.2B | $455.2M |
| Capital ratio | 10.79% (stronger) | 8.82% |
| Problem loans | 0.52% (stronger) | 1.14% |
| Net charge-offs | 0.35% (stronger) | 0.37% |
| Return on assets | 0.89% | 1.01% (stronger) |
| Loans ÷ deposits | 88.0% | 58.6% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 8.1% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.1% |
Educational Systems Federal Credit Union has the higher TellerScore (69 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Educational Systems Federal Credit Union leads on 5 and Topside Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.