Educational Systems Federal Credit Union Greenbelt, Maryland
Educational Systems Federal Credit Union is a federal credit union headquartered in Greenbelt, MD, established in 1955 (NCUA charter 10696), and it is regulated and insured by the NCUA. At Q2 2026 it reported 84,473 members and total assets of $1.40B (up 7.6% from Q2 2025), the 8th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 10.79% at Q2 2026, in the well capitalized band.
Also written as Educational Systems FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 10696
- Headquarters
- Greenbelt, MD
- Established
- 1955
- Total assets, Q2 2026
- $1.40B
- Assets vs Q2 2025
- +7.6%
- Members, Q2 2026
- 84,473
- Net worth ratio, Q2 2026
- 10.79%
- Latest call report
- Q2 2026, NCUA 5300 · Educational Systems Federal Credit Union call report
- Asset rank in state
- 8th of 58 in Maryland
- Routing number
- 255077008
- Branches
- 14
It has 6,814 fewer members than on June 30, 2025 (-7.5%). Its net worth ratio was down 0.16 percentage points from 10.95% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $497.7M of $1.06B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.52% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.79% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in Maryland
Credit unions merged into Educational Systems Federal Credit Union
Howard University Employees Federal Credit Union (2024) · Carco Federal Credit Union (2019)
Frequently asked about Educational Systems Federal Credit Union
How big is Educational Systems Federal Credit Union?
At Q2 2026 it reported total assets of $1.40B and 84,473 members.
Where is Educational Systems Federal Credit Union headquartered?
It is headquartered in Greenbelt, MD, United States.
When was Educational Systems Federal Credit Union founded?
It was established in 1955, per NCUA records.
Is Educational Systems Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 10696): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Educational Systems Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Educational Systems Federal Credit Union well capitalized?
Its net worth ratio was 10.79% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Educational Systems Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.52% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Educational Systems Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.99% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Greenbelt, MD 20770
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 10696
- RSSD ID
- 832489
- Members
- 84,473
- Potential members
- 500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.79% | 10.89% | 48th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.71% | 0.89% | 35th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.57% | 8.07% | 36th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.25% | 3.45% | 38th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 77.03% | 70.59% | 26th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.26% | 1.68% | 81st top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.52% | 0.68% | 68th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.52% | 5.12% | 16th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 87.99% | 88.03% | 50th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.40B total assets against $1.31B; $1.20B total shares and deposits against $1.14B; $1.06B total loans against $900.9M.
$151.6M net worth against $143.1M.
10.79% net worth ratio against 10.95%.
87.99% loan-to-share ratio against 78.83%.
0.52% delinquency ratio against 0.41%.
0.71% return on assets against 0.76%; 6.57% return on equity against 6.98%.
3.25% net interest margin against 3.29%.
84,473 members against 91,287.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.79% | 0.71% | 0.52% | 87.99% |
| March 31, 2026 | 10.98% | 1.10% | 0.43% | 89.36% |
| December 31, 2025 | 10.88% | 0.55% | 0.45% | 87.53% |
| September 30, 2025 | 11.31% | 0.64% | 0.44% | 84.45% |
| June 30, 2025 | 10.95% | 0.76% | 0.41% | 78.83% |
| March 31, 2025 | 10.84% | 0.81% | 0.36% | 78.95% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.