Educational Systems FCU Names Michael Gago Senior Vice President/Chief Lending Officer

3/11/2026

Educational Systems Federal Credit Union announced that Michael Gago has joined the organization as Senior Vice President/Chief Lending Officer. In this role, Gago is responsible for leading the Credit Union’s lending strategy and execution, including product development, credit and portfolio performance and sustainable loan growth in support of member needs and the Credit Union’s mission. 

Gago brings more than 25 years of leadership experience across consumer, residential mortgage and commercial lending. His background includes extensive work in secondary market strategy, financial management and portfolio analytics. He joined the Credit Union in late November 2025.

“What attracted me to Educational Systems FCU is the opportunity to be part of a successful, mission-driven organization that is known for its service to members, employees and the communities it serves,” said Gago. “As Senior Vice President/Chief Lending Officer, I am excited to build on that strong foundation by expanding responsible access to credit, improving the end-to-end lending experience and ensuring our lending strategy continues to support the Credit Union’s mission for years to come.”

Prior to joining Educational Systems Federal Credit Union, Gago served at Alltrust Credit Union, where he was appointed Chief Lending Officer in 2018 and later promoted to Chief Lending and Operations Officer in January 2023. In that expanded role, he led all lending functions while also overseeing retail and deposit operations, helping strengthen alignment between lending performance and member service delivery.

“Michael’s experience and leadership will be an asset to our organization as we continue to evolve our lending strategy,” said Girado Smith, President/CEO of Educational Systems Federal Credit Union. “He brings a thoughtful, disciplined approach to lending that aligns with our commitment to providing accessible financial solutions and supporting the long-term financial well-being of our members.”

Gago holds a Bachelor of Science in Finance from Bryant University and an MBA/MS in Accounting from Bentley University.

Educational Systems Federal Credit Union serves members of the education community by providing competitive financial solutions, personalized service and resources that support financial wellness and stability.