Side-by-side · Q2 2026 data
Shore United Bank, National Association vs Educational Systems Federal Credit Union
Credit union
Educational Systems Federal Credit Union
Greenbelt, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | Shore United Bank, National Association | Educational Systems Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 69 (stronger) |
| Capital cushion | 50 | 58 (stronger) |
| Loan quality | 56 | 83 (stronger) |
| Earnings | 71 (stronger) | 55 |
| Funding & liquidity | 67 | 72 (stronger) |
| Problem-loan coverage | 82 | 93 (stronger) |
| Peer percentile | 24th | 54th |
| Total assets | $6.1B | $1.4B |
| Deposits / shares | $5.4B | $1.2B |
| Capital ratio | 10.00% | 10.79% (stronger) |
| Problem loans | 1.32% | 0.52% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.35% |
| Return on assets | 1.28% (stronger) | 0.89% |
| Loans ÷ deposits | 89.4% | 88.0% (stronger) |
| Uninsured deposits | 18.0% | 4.6% (stronger) |
| Offices | 40 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | — |
Educational Systems Federal Credit Union has the higher TellerScore (69 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Shore United Bank, National Association leads on 2 and Educational Systems Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Easton, MD
- Lexington Park, MD
- Prince Frederick, MD
- Waldorf, MD