Credit union
Educational Systems Federal Credit Union
Greenbelt, Maryland, Prince George's County, MD
$1.4B in total assets and 84,473 members, the 361st largest of 4,298 US credit unions and 8th of 59 headquartered in Maryland.
- NCUA charter
- 10696
- Charter
- Federal
- Chartered
- 1955
- NCUA insured since
- 1971
- Field of membership
- Multiple common bond - primarily educational
- Website
- http://www.esfcu.org
At a glance
Compared with 9 federally insured credit unions in Maryland with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 22% | $2.7B | |
| Loans | $1.1B | 44% | $2.1B | |
| Deposits (shares) | $1.2B | 33% | $2.0B | |
| Members | 84,473 | 33% | 162,195 | |
| Return on assets | 0.91% | 78% | 0.44% | |
| Net interest income to assets | 3.31% | 44% | 3.35% | |
| Efficiency ratio | 77.1% | 44% | 79.4% | |
| Net worth ratio | 10.79% | 44% | 12.44% | |
| Loans to shares | 88% | 44% | 88% | |
| Cost of deposits | 1.27% | 22% | 1.65% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 4.8% a year over 10 years and 2.5% a year over the last 5, including 2 mergers in the last 10 years. Membership grew 0.1% a year over 5 years, to 84,473.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Dec 2024 | Howard University Employees Federal Credit Union Credit union, Washington, DC | $10M |
| Oct 2019 | Carco Federal Credit Union Credit union, Denton, MD | $5M |
| Aug 2012 | Montgomery County Teachers Federal Credit Union Credit union, Derwood, MD | $401M |
Where they operate
14 branches in 7 counties.
1 of 14 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Montgomery County, MD | 5 | 1.9% | 13 of 51 |
| Prince George's County, MD | 4 | 2.6% | 11 of 39 |
| Anne Arundel County, MD | 1 | 0.7% | 20 of 34 |
| Calvert County, MD | 1 | 6.2% | 6 of 9 |
| Charles County, MD | 1 | 4.2% | 8 of 13 |
| St. Mary's County, MD | 1 | 5.3% | 6 of 10 |
| Talbot County, MD | 1 | 6.2% | 5 of 10 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 13 | |
| 2017 | 13 | 0 |
| 2018 | 14 | +1 |
| 2019 | 14 | 0 |
| 2020 | 14 | 0 |
| 2021 | 14 | 0 |
| 2022 | 14 | 0 |
| 2023 | 14 | 0 |
| 2024 | 15 | +1 |
| 2025 | 14 | −1 |
| Jun 2026 | 14 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.52% | 0.54% |
| Net worth ratio | 10.79% | 12.44% |
| Loans to shares | 88% | 88% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Maryland
Most branches in Montgomery County, MD
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.