TellerScore

Headquartered in Greenbelt, Maryland, Educational Systems Federal Credit Union is a federal credit union with $1.4B in total assets and $1.2B in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1955.

Based on its Q2 2026 filing, Educational Systems Federal Credit Union scores 69/100, which we describe as moderate. That is higher than 54% of 454 credit unions with $1 billion – $10 billion. Among 60 credit unions headquartered in Maryland, it ranks 26th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is earnings (55/100; 0.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.79%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.52%
Earnings55/100
Return on assets (annualized): 0.89%
Funding & liquidity72/100
Loans ÷ shares: 88.0% · 4.6% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (71 → 69), mostly because the funding & liquidity component weakened by 9 points.

TellerScore
697172Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202472
Q1 202572
Q2 202571
Q3 202571
Q4 202569
Q1 202672
Q2 202669
Net worth ratio
7.00%9.16%11.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.30%
Q3 202410.71%
Q4 202411.16%
Q1 202510.84%
Q2 202510.95%
Q3 202511.31%
Q4 202510.88%
Q1 202610.98%
Q2 202610.79%
Delinquent loans (60+ days)
0.29%0.41%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.32%
Q4 20240.49%
Q1 20250.36%
Q2 20250.41%
Q3 20250.44%
Q4 20250.45%
Q1 20260.43%
Q2 20260.52%
Return on assets
0.67%0.89%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.89%
Q4 20240.93%
Q1 20250.81%
Q2 20250.79%
Q3 20250.75%
Q4 20250.67%
Q1 20261.10%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$1.4B10.79%0.52%0.89%88.0%
Q1 202672$1.4B10.98%0.43%1.10%89.4%
Q4 202569$1.3B10.88%0.45%0.67%87.5%
Q3 202571$1.3B11.31%0.44%0.75%84.5%
Q2 202571$1.3B10.95%0.41%0.79%78.8%
Q1 202572$1.3B10.84%0.36%0.81%79.0%
Q4 202472$1.2B11.16%0.49%0.93%82.9%
Q3 202472$1.3B10.71%0.32%0.89%81.4%
Q2 202472$1.3B10.30%0.29%0.89%76.8%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.79%
47th
Problem loans0.52%
67th
Net charge-offs0.35%
70th
Return on assets0.89%
58th
Loans to deposits88.0%
51st
Uninsured deposits4.6%
90th
Loan-loss reserves0.00%
50th
Texas ratio3.7%
65th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
First Financial of Maryland Federal Credit UnionCredit union Sparks, MD79 out of 100, Strong$1.4B16.7%0.54%vs
Municipal Empl.Credit Union of BaltCredit union Baltimore, MD62 out of 100, Moderate$1.3B13.0%1.66%vs
Point Breeze Credit UnionCredit union Hunt Valley, MD78 out of 100, Strong$1.1B14.0%0.32%vs
Lafayette Federal Credit UnionCredit union Rockville, MD53 out of 100, Below average$2.1B12.4%2.33%vs
Andrews Federal Credit UnionCredit union Suitland, MD53 out of 100, Below average$2.7B10.6%1.51%vs
Aberdeen Proving Ground Federal Credit UnionCredit union Aberdeen, MD64 out of 100, Moderate$2.7B9.3%0.53%vs

Deposit insurance

Is my money safe at Educational Systems Federal Credit Union?

Yes. Educational Systems Federal Credit Union is a federally insured credit union (NCUA charter #10696). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.6% of shares and deposits ($55.3M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.79%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Educational Systems Federal Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Educational Systems Federal Credit Union
Type
Federal credit union
NCUA charter #
10696
RSSD ID
832489
Primary regulator
NCUA
Established
1955
Headquarters
PO Box 179, Greenbelt, MD 20768
Employees
228

Quick answers

Educational Systems Federal Credit Union: common questions

Is Educational Systems Federal Credit Union NCUA insured?

Yes. Educational Systems Federal Credit Union is a federally insured credit union (NCUA charter #10696). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Educational Systems Federal Credit Union's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Educational Systems Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

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