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Overview / Commentary
7500 Greenway Center Dr Suite 1400
Greenbelt, MD 20770

Educational Systems Credit Union is headquartered in Greenbelt and is the 8th largest credit union in the state of Maryland. It is also the 301st largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 186 employees and 87,641 members. Educational Systems Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an employee of the Calvert Board of Education or several related board of education or company listed in their list of sponsoring organization. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Educational Systems Credit Union had $3.54 million in non-current loans and owned real-estate with $62.44 million in equity and loan loss allowances on hand to cover it. This gives Educational Systems Credit Union a Texas Ratio of 5.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Educational Systems Credit Union experienced no significant changes from 4.45% as of March 31, 2013 to 5.67% as of March 31, 2014, resulting in a negative change of 27.58%. This indicates that the balance sheet and financial strength for Educational Systems Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Educational Systems Credit Union has decreased its total deposits by -$4.52 million, resulting in -0.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Educational Systems Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Educational Systems Credit Union has $759.69 million in assets with $62.44 million in equity, resulting in a capitalization level of 8.22%, which is average.

Institution Statistics

NCUA #10696
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$759.69 million
Loans$396.72 million
Deposits$664.95 million
Equity Capital$59.63 million
Loan Loss Allowance$2.81 million
Unbacked Noncurrent Loans$3.34 million
Real Estate Owned$203,000
Historic Data - March 2013
Assets$774.04 million
Equity Capital$56.27 million
Loan Loss Allowance$2.09 million
Unbacked Noncurrent Loans$3.34 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.96%
Return on Equity12.19%
Interest Income$6.03 million

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Educational Systems Credit Union Savings Account Rates

0.05%--Regular Savings
0.05%--Special Purpose Club
0.05%--IRA Share Account
0.05%--Roth IRA Share Account
0.05%--Education IRA Share Account

Educational Systems Credit Union Money Market Rates

0.15%$100k-Money Market Account
0.15%$100k-IRA Money Market

Educational Systems Credit Union Checking Account Rates

0.05%$500-Interest Checking

Educational Systems Credit Union CD Rates

1.10%$500-60 Month Share Certificate
1.00%$500-48 Month Share Certificate
0.70%$500-36 Month Share Certificate
0.55%$500-24 Month Share Certificate
0.30%$500-12 Month Share Certificate
0.20%$500-6 Month Share Certificate
0.10%$500-3 Month Share Certificate

Educational Systems Credit Union IRA Rates

1.10%$500-60 Month IRA Share Certificate
1.00%$500-48 Month IRA Share Certificate
0.70%$500-36 Month IRA Share Certificate
0.55%$500-24 Month IRA Share Certificate
0.30%$500-12 Month IRA Share Certificate
0.20%$500-6 Month IRA Share Certificate
0.10%$500-3 Month IRA Share Certificate

Educational Systems Credit Union has 13 locations. Click to view all Educational Systems Credit Union locations.