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Maryland Credit Union Performance
How the 61 credit unions based in Maryland are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Maryland's 61 credit unions serve 2,137,585 members and hold $39.92B in combined assets. The median Maryland credit union earned a 0.51% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Maryland credit unions was -1.01%, compared with -0.55% nationally. Median one-year asset growth was 2.71%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Maryland at a glance
Maryland vs. the United States
System totals are the sum of every credit union based in Maryland. The share column is Maryland's portion of the national figure.
| Measure | Maryland | United States | Maryland share |
|---|---|---|---|
| Credit unions | 61 | 4,335 | 1.4% |
| Members | 2,137,585 | 147,031,529 | 1.5% |
| Residents (population) | 6,263,220 | 340,110,988 | 1.8% |
| Total assets | $39.92B | $2,507.50B | 1.6% |
| Total loans | $27.94B | $1,744.86B | 1.6% |
| Total shares & deposits | $34.04B | $2,143.21B | 1.6% |
| Total net worth | $4.56B | $282.23B | 1.6% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Maryland credit unions report about 34 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Maryland credit unions serve members in other states, so it overstates true in-state penetration.)
The median Maryland credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Maryland CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.51% | 0.66% |
| Net worth ratio | 11.87% | 12.44% |
| Loan-to-share ratio | 68.82% | 67.86% |
| Delinquency ratio | 0.69% | 0.63% |
| Net charge-off ratio | 0.37% | 0.33% |
| Cost of funds | 1.06% | 1.05% |
| Member growth (1 yr) | -1.01% | -0.55% |
| Asset growth (1 yr) | 2.71% | 2.78% |
| Loan growth (1 yr) | -0.58% | 0.63% |
| Share growth (1 yr) | 1.73% | 2.36% |
| Net worth growth (1 yr) | 4.66% | 5.57% |
Trends over time
The median Maryland credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.59% · 0.72%
— Maryland ‑‑ U.S.
Net worth ratio 11.88% · 12.46%
— Maryland ‑‑ U.S.
Loan-to-share ratio 69.10% · 69.70%
— Maryland ‑‑ U.S.
Delinquency ratio 0.75% · 0.72%
— Maryland ‑‑ U.S.
Asset growth (1 yr) 2.64% · 3.26%
— Maryland ‑‑ U.S.
Member growth (1 yr) -1.02% · -0.52%
— Maryland ‑‑ U.S.
Maryland leaderboards
Largest by assets
- 1 NASA Credit Union $5.84B
- 2 SECU Credit Union $5.73B
- 3 Tower Credit Union $5.00B
- 4 Aberdeen Proving Ground Credit Union $2.65B
- 5 Andrews Federal Credit Union $2.58B
- 6 Lafayette Credit Union $2.14B
- 7 First Financial OF Maryland Credit Union $1.42B
- 8 Educational Systems Credit Union $1.36B
- 9 Municipal Employees Credit Union of Baltimore $1.27B
- 10 Point Breeze Credit Union $1.00B
Highest return on assets
- 1 Wepco Credit Union 1.72%
- 2 LM Credit Union 1.52%
- 3 Chessie Credit Union 1.29%
- 4 Washington County Teachers Credit Union 1.20%
- 5 First Peoples Community Credit Union 1.18%
- 6 Educational Systems Credit Union 1.12%
- 7 Tower Credit Union 1.09%
- 8 Prince George's Community Credit Union 1.07%
- 9 Bull Dog Credit Union 0.92%
- 10 First Eagle Credit Union 0.91%
Fastest-growing (organic)
- 1 FedChoice Federal Credit Union 11.34%
- 2 Comstar Credit Union 10.63%
- 3 Aberdeen Proving Ground Credit Union 9.85%
- 4 Cedar Point Credit Union 8.14%
- 5 APL Credit Union 7.43%
- 6 Prince George's Community Credit Union 6.74%
- 7 Washington County Teachers Credit Union 6.60%
- 8 Tower Credit Union 6.26%
- 9 Lafayette Credit Union 5.61%
- 10 NASA Credit Union 5.00%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Maryland that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.