Page 7 - 2025 Annual Report

Treasurer’s Report

2025 Key Financial Highlights (year-over-year)
Assets increased from $1,234,749,877 to $1,336,157,136
(8.21% growth).
Member loans increased from $887,606,500 to $990,757,783
(11.62% growth).
Member shares grew from $1,081,624,981 to $1,143,192,325
(5.69% growth).
Members’ equity increased from $109,873,029 to $127,236,465
(15.80% growth).
John J. Neville
Treasurer The net worth ratio, or capital-to-assets ratio, remained
strong at 10.88%, well above the 7% level required by the
In 2025, Educational Systems Federal Credit Union continued
National Credit Union Administration (NCUA) to be
to build on a strong financial foundation while remaining deeply
considered well capitalized.
committed to the communities we serve. Our progress reflects
Return on Assets (ROA), or net income as a percent of
not only disciplined financial management, but also the trust
average assets, decreased from 0.92% to 0.70%, but
our members place in us every day, trust that enables us to
remains solid.
grow with purpose and deliver meaningful value.
For additional details, please refer to our Statements of
We remained focused on helping members achieve their
Financial Condition and Statements of Income and Expense on
financial goals through accessible, competitive solutions.
pages 9 and 10.
During the year, we supported 688 members in financing a
home, including 169 first mortgages, 519 home equity loans,
and 22 first-time homebuyers. We also helped 6,298 members People Helping People
finance vehicles and supported 1,939 members through our At our core, we are driven by a simple but powerful philosophy:
Premium Summer Pay account, providing flexibility to manage people helping people. Every loan funded and every deposit
seasonal expenses. As a credit union, delivering value is made is an investment in one another, strengthening not only
fundamental to who we are, and reflected in our competitive individual financial well-being but also the communities we are
deposit and loan rates that help members save more and proud to serve.
borrow with confidence.
Thank you for your continued membership and trust. Together,
Our commitment to being member-centric continues to guide we are building a stronger financial future and expanding
how we show up for our members, meeting them where they opportunities for all.
are and making it easier to manage their financial lives. In
2025, we made significant investments in our Digital Banking Together, let’s make GREAT happen!
platform, focusing on thoughtful planning, development, and
testing to ensure a seamless and intuitive experience.

This work came to life with the launch of our enhanced John J. Neville
platform in early 2026, expanding money movement options Treasurer
and introducing financial wellness tools that empower
members to budget, monitor credit, and plan for the future
with greater confidence. It is one more way we are delivering
a more modern and engaging financial experience, one that
is personalized and designed to support every stage of our
members’ financial journeys.

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