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EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION

Dec, 31, 2020 — EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION is a federal credit union headquartered in GREENBELT, MD with 14 branch locations and about $1.17 billion in total assets. Opened 66 years ago in 1955, EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION has about 83,337 members and employs 201 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 255077008
Name:EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
Address:
(Main Office)
P.O. BOX 179
GREENBELT, MD 20768-0179
Phone:(301) 779-8500
Fax:
Website:http://www.esfcu.org
Branches:14 branch locations
Members:83,337
Credit Union Type:Federal Credit Union
Charter Number:10696
Membership Type:Multiple common bond - Primarily educational
Corporate Credit Union:No
Year Opened:1955
Last Audited:Dec 01, 2019
FHLB Member:Yes
Low Income Designation:No
Assets:$1,172,523,362
CEO/Manager:Chris Conway
Chairperson:Alonia Sharps

Call Report

  • Indirect Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Check Cashing
  • In-School Branches
  • Insurance/Investment Sales

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 189,426,092
TOTAL INVESTMENTS 264,530,659
Loans Held for Sale 529,300
 
 Real Estate Loans 327,729,437
 Unsecured Loans 67,845,652
 Other Loans 260,688,899
 TOTAL LOANS 656,263,988
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -4,595,282
 Land And Building 25,173,304
 Other Fixed Assets 7,974,858
 NCUSIF Deposit 9,406,673
 All Other Assets 23,813,770
  TOTAL ASSETS 1,172,523,362
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 38,616,071
 Accounts Payable & Other Liabilities 17,837,638
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 207,324,416
 Regular shares 473,609,910
 All Other Shares & Deposits 330,587,519
  TOTAL SHARES & DEPOSITS 1,011,521,845
  TOTAL LIABILITIES 1,067,975,554
 Regular Reserve 1,944,584
 Other Reserves 18,402,973
 Undivided Earnings 84,200,251
  TOTAL EQUITY 104,547,808
  TOTAL LIABILITIES, SHARES, & EQUITY 1,172,523,362
INCOME & EXPENSE  
 Loan Income 29,381,485
 Investment Income 6,200,451
 Other Income 16,571,834
 Total Employee Compensation & Benefits 20,149,978
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 18,720,393
 Non-operating Income & (Expense) 86,888
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 2,177,318
 Cost of Funds 7,853,394
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 3,339,575
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