Credit Union Safety Analysis
Is Educational Systems Federal Credit Union Safe? Greenbelt, Maryland
Based on its Q2 2026 NCUA 5300 call report, Educational Systems Federal Credit Union has a net worth ratio of 10.79%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.52%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Educational Systems Federal Credit Union's net worth ratio is 10.79%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.79%
- Delinquency ratio (60+ days) (Q2 2026): 0.52%
- Return on assets (Q2 2026): 0.71%
- Loan-to-share ratio (Q2 2026): 87.99%
Educational Systems Federal Credit Union (NCUA charter 10696, established 1955) reported $1.40B in assets and 84,473 members for Q2 2026 from Greenbelt, Maryland. It ranks 8 of 58 credit unions in Maryland by total assets. Total assets grew 7.6% from $1.31B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.98% for Q1 2026; 10.95% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.43% for Q1 2026; 0.41% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.10% for Q1 2026; 0.76% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 89.36% for Q1 2026; 78.83% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $497.7M
- Used vehicle loans: $295.6M
- New vehicle loans: $178.0M
- Unsecured credit card loans: $49.0M
- Other unsecured loans and lines of credit: $22.7M
- Commercial loans: $7.9M
- Non-federally guaranteed student loans: $4.5M
- Other secured non-real estate loans and lines of credit: $3.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.40B | 10.79% | 0.52% | 0.71% | 87.99% |
| March 31, 2026 | $1.36B | 10.98% | 0.43% | 1.10% | 89.36% |
| December 31, 2025 | $1.34B | 10.88% | 0.45% | 0.55% | 87.53% |
| September 30, 2025 | $1.28B | 11.31% | 0.44% | 0.64% | 84.45% |
| June 30, 2025 | $1.31B | 10.95% | 0.41% | 0.76% | 78.83% |
| March 31, 2025 | $1.30B | 10.84% | 0.36% | 0.81% | 78.95% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Educational Systems Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10696) · FFIEC NIC profile (RSSD 832489)
Frequently asked questions
Is Educational Systems Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Educational Systems Federal Credit Union's net worth ratio is 10.79%, above the 7% NCUA threshold for well capitalized.
Is Educational Systems Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Educational Systems Federal Credit Union is a federally insured credit union (NCUA charter 10696): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Educational Systems Federal Credit Union's key safety ratios?
For Q2 2026, Educational Systems Federal Credit Union reports net worth 10.79%, delinquency 0.52%, ROA 0.71%, loan-to-share 87.99%.
What happens to my money if Educational Systems Federal Credit Union fails?
For Q2 2026, Educational Systems Federal Credit Union held $1.20B in shares and deposits for 84,473 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.