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EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION

Mar, 31, 2021 — EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION is a federal credit union headquartered in GREENBELT, MD with 14 branch locations and about $1.23 billion in total assets. Opened 66 years ago in 1955, EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION has about 83,400 members and employs 205 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:83,400
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, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$1,225,340,816
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 242,282,674
TOTAL INVESTMENTS 274,648,681
Loans Held for Sale 0
 
 Real Estate Loans 324,742,129
 Unsecured Loans 63,915,523
 Other Loans 259,300,246
 TOTAL LOANS 647,957,898
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -5,043,658
 Land And Building 25,014,701
 Other Fixed Assets 7,787,106
 NCUSIF Deposit 9,406,673
 All Other Assets 23,286,741
  TOTAL ASSETS 1,225,340,816
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 38,437,500
 Accounts Payable & Other Liabilities 18,658,928
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 223,083,851
 Regular shares 519,198,438
 All Other Shares & Deposits 322,714,921
  TOTAL SHARES & DEPOSITS 1,064,997,210
  TOTAL LIABILITIES 1,122,093,638
 Regular Reserve 1,944,584
 Other Reserves 16,810,267
 Undivided Earnings 84,492,327
  TOTAL EQUITY 103,247,178
  TOTAL LIABILITIES, SHARES, & EQUITY 1,225,340,816
INCOME & EXPENSE  
 Loan Income 6,998,098
 Investment Income 1,100,614
 Other Income 2,225,533
 Total Employee Compensation & Benefits 5,356,017
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 4,430,180
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 806,913
 Cost of Funds 970,323
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 292,076
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