Educational Systems Federal Credit Union

Credit UnionFCUGreenbelt, MD·Est. 1955·NCUA #10696Compare ⇄▤ Account brief

Total assets

$1.36B

▲ +4.8% YoY

Shares & deposits

$1.16B

▲ +2.4% YoY

Loans

$1.04B

▲ +15.9% YoY

Members

84,377

▼ -6.9% YoY

ROA (annualized)

1.10%

peers 0.71%

ROE (annualized)

10.01%

peers 6.28%

Peer comparison 450 credit unions with 1B-10B in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+4.8%	+5.1%	-0.3 pts
Share growth (YoY)	+2.4%	+4.9%	-2.5 pts
Loan growth (YoY)	+15.9%	+5.4%	+10.4 pts
ROA	1.10%	0.71%	+0.4 pts
ROE	10.0%	6.3%	+3.7 pts

ROA ranks in the 79th percentile of its peer group · Q1 2026

Profile

Established: 1955
Charter: FCU
Primary regulator: NCUA
NCUA peer group: Peer group 6
Address: Po Box 179, Greenbelt, MD, 20768
NCUA charter #: 10696
RSSD ID: 832489
Latest call report: Q1 2026

Total assets last 8 quarters

Members last 8 quarters

Quarterly financials NCUA 5300 call report

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$1.36B	$1.16B	$1.04B	$149.1M	$3.7M	1.10%	3.31%	0.43%	84,377
Q4 2025	$1.34B	$1.14B	$1.00B	$145.4M	$9.0M	0.67%	3.27%	0.45%	83,975
Q3 2025	$1.28B	$1.12B	$944.3M	$145.1M	$7.2M	0.75%	3.37%	0.44%	92,890
Q2 2025	$1.31B	$1.14B	$900.9M	$143.1M	$5.1M	0.79%	3.26%	0.41%	91,287
Q1 2025	$1.30B	$1.14B	$897.1M	$140.6M	$2.6M	0.81%	3.26%	0.36%	90,658
Q4 2024	$1.23B	$1.08B	$896.9M	$137.9M	$11.5M	0.93%	3.44%	0.49%	88,375
Q3 2024	$1.27B	$1.07B	$869.5M	$136.6M	$8.5M	0.89%	3.31%	0.32%	89,689
Q2 2024	$1.30B	$1.10B	$844.7M	$133.9M	$5.8M	0.89%	3.20%

Signals what changed in the call reports

Members down·Members -6.9% YoY (2%+ decline) — Losing members — growth and digital experience are top of mindLoans up·Loans +15.9% YoY — Fast loan growth needs funding, credit tooling and staffEfficiency worsening·Efficiency ratio 77.1%, worse 3 quarters running — Cost pressure — automation pitches resonate, discretionary spend does not

Earlier quarters (2)

Members -5.0% YoY (2%+ decline)Q4 2025
Efficiency ratio 76.4%, worse 3 quarters runningQ4 2025

Ratio pack Q1 2026 · peer medians from 450 institutions

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	1.10%	0.71%	79th
Return on equity Annualized net income ÷ equity or net worth	10.0%	6.3%	80th
Net interest margin Interest income − interest expense, ÷ assets	3.31%	3.32%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%