Federal credit union · Greenbelt, Maryland · NCUA charter #10696
Educational Systems
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $1.34B
- Total assets
- 83,975
- Members
- 11.0%
- Net-worth ratio
Educational Systems scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.34B; members 83,975; net-worth ratio 10.98%; health rank #1,993 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,993 of 4,374 health · 2025Q4Educational Systems · health 85/100 · $1.34B · 2025Q4
Call Report peers
Educational Systems in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Educational Systems vs every NCUA-scored credit union
Educational Systems sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Educational Systems: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 87.53% here, 83.90% peer average (+3.63 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.20 pp (10.98% vs 11.18%).
Where Educational Systems sits in Maryland
- Health composite ranks #22 of 62 among scored Maryland credit unions.
- Assets rank #8 of 62 inside Maryland ($1.34B reported).
- Maryland membership ordinal: #7 of 62.
- One place up in Maryland, Ferko Md (#21) ties at 85/100; one place down, Andrews Federal Credit Union (#23) ties at 85/100.
Educational Systems Call Report trajectory
Educational Systems: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $1.34B (2025Q4) to $1.36B (2026Q1).
- Net-worth ratio shifted +0.10 pp (10.88% → 10.98%).
This credit union's 10.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Educational Systems gives up 15 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.98% | -0.20 pp |
| Delinquency Rate | 0.45% | -0.43 pp |
| Return on Assets | 0.86% | +0.35 pp |
| Member Growth | -4.98% | - |
| Loan-to-Share Ratio | 87.53% | +3.63 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Educational Systems
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.36B | - |
| 2025Q4 | $1.34B | 83,975 |
| 2024Q4 | $1.23B | 88,375 |
| 2023Q4 | $1.28B | 87,428 |
Credit Union Details
- Charter Number
- 10696
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Maryland
- City
- Greenbelt
- Data Quarter
- 2025Q4
Branch Locations (14)
Educational Systems operates 14 offices across 13 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Greenbelt, MD |
| Annapolis | Annapolis, MD |
| Bowie | Bowie, MD |
| Clarksburg | Clarksburg, MD |
| Rockville | Derwood, MD |
| Easton Branch | Easton, MD |
| Forestville | Forestville, MD |
| Germantown | Germantown, MD |
| Greenbelt | Greenbelt, MD |
| Lexington Park | Lexington Park, MD |
| Prince Frederick | Prince Frederick, MD |
| Aspen Hill | Silver Spring, MD |
| Cherry Hill | SIlver Spring, MD |
| Waldorf | Waldorf, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
- FIRST FINANCIAL OF MARYLANDSparks, MD · Over $500M94Health
- MUNICIPAL EMPL.CREDIT UNION OF BALTBALTIMORE, MD · Over $500M70Health
- POINT BREEZEHunt Valley, MD · Over $500M93Health
- CEDAR POINTLEXINGTON PARK, MD · Over $500M94Health
- NATIONAL INSTITUTES OF HEALTHRockville, MD · Over $500M75Health
Nationwide credit unions with similar profiles
Using this data
- Educational Systems ranks #1,993 of 4,374 nationally on financial health and #22 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Financial of Maryland is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Financial of Maryland
Frequently Asked Questions
Is Educational Systems financially healthy?
Educational Systems has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,993 of 4,374 nationally on health and #22 of 62 in Maryland. Its net worth ratio is 10.98% and its delinquency rate 0.45%.
How does Educational Systems compare to other credit unions?
Educational Systems scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.53% vs 83.90%). Its widest shortfall is net worth ratio (10.98% vs 11.18%).
How can I join Educational Systems?
Educational Systems operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Educational Systems directly for the exact boundaries and application steps.
Is my money safe at Educational Systems?
Educational Systems is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Educational Systems's net worth ratio of 10.98% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.