Educational Systems

Greenbelt, MD · 1 · Charter #10696 · www.esfcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.3B
22th percentile
Members
83,975
32th percentile
Total loans
$1.0B
25th percentile
Total shares
$1.1B
25th percentile

Profitability

Return on assets
1.05%
53th percentile
Net interest margin
3.27%
54th percentile
Efficiency ratio
61.82%
12th percentile
Non-interest income ratio
23.57%
81th percentile

Capital & Risk

Net worth ratio
10.88%
53th percentile
Delinquency rate
0.45%
77th percentile
Net charge-off rate
0.48%
52th percentile
Loan-to-share
87.72%
46th percentile

Growth

Member growth YoY
-4.98%
6th percentile
Asset growth YoY
8.21%
70th percentile
Loan growth YoY
11.57%
85th percentile
Share growth YoY
5.73%
54th percentile

Operations

Members / branch
6,460
37th percentile
Assets / member
$15,911
29th percentile
Field of membership penetration
16.79%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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