ABERDEEN PROVING GROUND vs ANDREWS FEDERAL CREDIT UNION
Side-by-side comparison based on NCUA quarterly call report data.
ABERDEEN PROVING GROUND scores higher on overall financial health (health score: 73/100). Higher health scores reflect stronger capital ratios, lower delinquency, and better earnings.
Financial Metrics Comparison
| Metric | ABERDEEN PROVING GROUND | ANDREWS FEDERAL CREDIT UNION |
|---|---|---|
| Health Score 0–100, higher is better | 73 | 70 |
| Total Assets | $2.6B | $2.6B |
| Members | 182,247 | 149,113 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 9.08% | 10.84% |
| Delinquency Rate Lower = fewer past-due loans | 0.70% | 1.74% |
| Return on Assets (ROA) Higher = more profitable | 0.000% | 0.000% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 93.59% | 99.60% |
| Member Growth Year-over-year membership change | 8.4% | 7.8% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | ABERDEEN PROVING GROUND | ANDREWS FEDERAL CREDIT UNION |
|---|---|---|
| Location | ABERDEEN, MD | Suitland, MD |
| Charter Type | Federal | Federal |
| Field of Membership | Community | Community |
| Peer Group | Over $500M | Over $500M |
| Charter Number | 2540 | 5754 |
What This Comparison Says About ABERDEEN PROVING GROUND vs ANDREWS FEDERAL CREDIT UNION
ABERDEEN PROVING GROUND (ABERDEEN, MD) and ANDREWS FEDERAL CREDIT UNION (Suitland, MD) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. ABERDEEN PROVING GROUND holds $2.6B in assets across 182,247 members, while ANDREWS FEDERAL CREDIT UNION holds $2.6B across 149,113 members. On the composite health score, ABERDEEN PROVING GROUND comes out ahead at 73/100 versus 70/100 for its counterpart — a gap driven by the weighted combination of capital, loan quality, earnings, growth, and liquidity metrics shown above. Charter numbers 2540 and 5754 indicate entirely separate NCUA supervisory records; they operate under peer groups Over $500M and Over $500M respectively.
Capital adequacy is the first check: ABERDEEN PROVING GROUND's net worth ratio of 9.08% clears the NCUA's 7.0% "well capitalized" bar, while ANDREWS FEDERAL CREDIT UNION posts 10.84%. Loan quality — measured as loans 60+ days past due over total loans — comes in at 0.70% for ABERDEEN PROVING GROUND and 1.74% for ANDREWS FEDERAL CREDIT UNION; lower is tighter. Earnings efficiency (ROA) shows 0.000% versus 0.000%, though credit unions as not-for-profit cooperatives often report ROA near zero by design, returning surplus to members through rates and dividends. Loan-to-share ratios of 93.59% and 99.60% indicate how each institution deploys member deposits — the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks — so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: ABERDEEN PROVING GROUND is currently defined as "Community" and ANDREWS FEDERAL CREDIT UNION as "Community", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data — contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." ABERDEEN PROVING GROUND shows 9.08% vs ANDREWS FEDERAL CREDIT UNION at 10.84%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. ABERDEEN PROVING GROUND: 0.70% — ANDREWS FEDERAL CREDIT UNION: 1.74%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.