Educational Systems Federal Credit Union

Headquarters: Greenbelt, Maryland
Charter: Credit Union
Assets: $1.4B
Fed district: Richmond
Regulator: NCUA

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 3, 2026

How these figures are measured

Call-report figures are for Educational Systems Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Educational Systems Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Educational Systems Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $2.6M in Q2 2026, 3.1% above the same quarter a year earlier ($2.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Dividend Checking Account
Educational Systems Federal Credit Union: $10
Educational Systems Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Educational Systems Federal Credit Union: $35
Educational Systems Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Educational Systems Federal Credit Union: $30
Educational Systems Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 1.6% from Q3 2025 to Q2 2026, to $2.6M.

Fee income, Q2 2026

$2.6M

$2.7MQ3 2025

$2.8MQ4 2025

$2.6MQ1 2026

$2.6MQ2 2026

Against the median

Educational Systems Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Educational Systems Federal Credit Union · $1.4B in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Credit unions only
$1.3B to $1.5B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Educational Systems Federal Credit Union(this institution)	Greenbelt, MD	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
American First Federal Credit Union	Brea, CA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Avadian Federal Credit Union	Birmingham, AL	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Credit Union of Florida	Rockledge, FL	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Financial Federal Credit Union	Plymouth, MI	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union West	Glendale, AZ	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Directions Federal Credit Union	Toledo, OH	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
East Texas Professional Federal Credit Union	Longview, TX	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
First Commonwealth Federal Credit Union	Lehigh Valley, PA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Great Lakes Federal Credit Union	Bannockburn, IL	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Gulf Winds Federal Credit Union	Pensacola, FL	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Launch Credit Union	Merritt Island, FL	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Leaders Credit Union	Jackson, TN	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Los Angeles Police Federal Credit Union	Van Nuys, CA	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Multipli Federal Credit Union	Jefferson City, MO	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Neighbors Federal Credit Union	Baton Rouge, LA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Notre Dame Federal Credit Union	Notre Dame, IN	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Park Federal Credit Union	Louisville, KY	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Patriot Federal Credit Union	Chambersburg, PA	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Quorum Federal Credit Union	Purchase, NY	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
S. C. State Federal Credit Union	Columbia, SC	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sandia Area Federal Credit Union	Albuquerque, NM	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sharon & Crescent United Federal Credit Union	Sharon, MA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sikorsky Financial Federal Credit Union	Stratford, CT	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U.S. Eagle Federal Credit Union	Albuquerque, NM	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
University Of Michigan Federal Credit Union	Ann Arbor, MI	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.02 (11%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $8.98 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Educational Systems Feder…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Educational Systems Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $2.6M
vs prior quarter: −$5K−0.2%; from Q1 2026
vs a year earlier: +$79K+3.1%; from Q2 2025
vs start of range: −$100K−3.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Educational Systems Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$2.6M	−$5K	−0.2%
Q1 2026	$2.6M	−$149K	−5.3%
Q4 2025	$2.8M	+$112K	+4.2%
Q3 2025	$2.7M	+$121K	+4.7%
Q2 2025	$2.6M	−$42K	−1.6%
Q1 2025	$2.6M	−$264K	−9.2%
Q4 2024	$2.9M	+$127K	+4.6%
Q3 2024	$2.7M	+$105K	+4.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Educational Systems Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dividend Checking Account Monthly fee$10
per month
Account Closing$10
Escheatment Processing Fee$100
Inactive Account$5
per month
Account Reconciliation/Research (one hour minimum)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay$35
per item
Returned Check/Overdraft/ACH Debit$35
per item

ATM & Card

Lost Card Replacement$10

Wire Transfers

Domestic Wire Transfer$30
per item

Check Services

Cashier’s Check$5
per item
Stop Payment$35
per item
Non-Member Check Cashing Fee$7

Cash & Deposit

Returned Deposited Items$35
per item

Account Services

Notary Service (per seal)$4
Account Garnishments/Attachments$100

Gift & Prepaid Cards

Visa® Gift Card$3.95
per item

Fee	Amount	Basis	Note
Account Maintenance
Dividend Checking Account Monthly fee	$10	per month	None
Account Closing	$10	Not stated	None
Escheatment Processing Fee	$100	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation/Research (one hour minimum)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay	$35	per item	None
Returned Check/Overdraft/ACH Debit	$35	per item	None
ATM & Card
Lost Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer	$30	per item	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment	$35	per item	None
Non-Member Check Cashing Fee	$7	Not stated	None
Cash & Deposit
Returned Deposited Items	$35	per item	None
Account Services
Notary Service (per seal)	$4	Not stated	None
Account Garnishments/Attachments	$100	Not stated	None
Gift & Prepaid Cards
Visa® Gift Card	$3.95	per item	None

Account Maintenance

Business Checking (balance below $2,500)$15
per month
Account Closing$10
Escheatment Processing Fee$100
Inactive Account$5
per month
Account Reconciliation/Research (one hour minimum)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Check/Overdraft/ACH Debit$35
per item

ATM & Card

Lost Card Replacement$10

Wire Transfers

Domestic Wire Transfer$30
per item

Check Services

Cashier’s Check$5
per item
Stop Payment$35
per item
Non-Member Check Cashing Fee$7

Cash & Deposit

Returned Deposited Items$35
per item

Account Services

Notary Service (per seal)$4
Account Garnishments/Attachments$100

Gift & Prepaid Cards

Visa® Gift Card$3.95
per item

Fee	Amount	Basis	Note
Account Maintenance
Business Checking (balance below $2,500)	$15	per month	None
Account Closing	$10	Not stated	None
Escheatment Processing Fee	$100	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation/Research (one hour minimum)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Check/Overdraft/ACH Debit	$35	per item	None
ATM & Card
Lost Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer	$30	per item	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment	$35	per item	None
Non-Member Check Cashing Fee	$7	Not stated	None
Cash & Deposit
Returned Deposited Items	$35	per item	None
Account Services
Notary Service (per seal)	$4	Not stated	None
Account Garnishments/Attachments	$100	Not stated	None
Gift & Prepaid Cards
Visa® Gift Card	$3.95	per item	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Educational Systems Federal Credit Union's monthly maintenance changes in our data

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