Federal credit union · ABERDEEN, Maryland · NCUA charter #2540
Aberdeen Proving Ground
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.61B
- Total assets
- 182,247
- Members
- 9.1%
- Net-worth ratio
Aberdeen Proving Ground scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.61B; members 182,247; net-worth ratio 9.07%; health rank #551 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#551 of 4,374 health · 2025Q4Aberdeen Proving Ground · health 94/100 · $2.61B · 2025Q4
- MEM 94/100
- RANK 9.1%
- PHOTO 0.70%
- BOOK 0.63%
- CHARTER $2.61B
- NCUSIF 182,247
- CAMELS #551/4,374
- HEALTH Magnifi Financial
- NW 2540
Call Report peers
Aberdeen Proving Ground in the assets neighbourhood
Aberdeen Proving Ground's $2.61B assets sit next to Magnifi Financial ($2.61B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Aberdeen Proving Ground vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Aberdeen Proving Ground - Share Insurance Coverage
Charter #2540's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Aberdeen Proving Ground diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 93.59% here, 83.90% peer average (+9.69 pp).
- Largest lag: Net Worth Ratio at 9.07% vs peer 11.18% (-2.11 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Aberdeen Proving Ground in Maryland
- Health composite ranks #7 of 62 among scored Maryland credit unions.
- By total assets, Aberdeen Proving Ground is #4 of 62 in Maryland.
- Maryland membership ordinal: #4 of 62.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Aberdeen Proving Ground: 2025Q4 → 2026Q1
Aberdeen Proving Ground: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $2.61B (2025Q4) to $2.65B (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.08% → 9.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.07% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.07% | -2.11 pp |
| Delinquency Rate | 0.70% | -0.18 pp |
| Return on Assets | 0.63% | +0.12 pp |
| Member Growth | 8.42% | - |
| Loan-to-Share Ratio | 93.59% | +9.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.65B | - |
| 2025Q4 | $2.61B | 182,247 |
| 2024Q4 | $2.36B | 168,097 |
| 2023Q4 | $2.27B | 157,184 |
Credit Union Details
- Charter Number
- 2540
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Maryland
- City
- ABERDEEN
- Data Quarter
- 2025Q4
Branch Locations (18)
Per its most recent NCUA branch filing, Aberdeen Proving Ground runs 18 offices in 15 different cities.
| Office | City |
|---|---|
| Edgewood Operations Center (Main Office) | Edgewood, MD |
| Aberdeen Branch | Aberdeen, MD |
| APG Branch | Aberdeen Proving Ground, MD |
| Dundalk Branch | Baltimore, MD |
| Laurel Bush Branch | Bel Air, MD |
| Amyclae Branch | Bel Air, MD |
| Bel Air Branch | Bel Air, MD |
| Riverside Branch | Belcamp, MD |
| Chesapeake City Branch | Chesapeake City, MD |
| Cockeysville Branch | Cockeysville, MD |
| Elkton Branch | Elkton, MD |
| North East Branch | Elkton, MD |
| Fallston Branch | Fallston, MD |
| Forest Hill Branch | Forest Hill, MD |
| Havre de Grace Branch | Havre de Grace, MD |
| Cecil College Branch | North East, MD |
| Perry Hall Branch | Nottingham, MD |
| Rising Sun Branch | Rising Sun, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
- ANDREWS FEDERAL CREDIT UNIONSuitland, MD · Over $500M85Health
- LAFAYETTEROCKVILLE, MD · Over $500M71Health
- FIRST FINANCIAL OF MARYLANDSparks, MD · Over $500M94Health
- EDUCATIONAL SYSTEMSGreenbelt, MD · Over $500M85Health
- MUNICIPAL EMPL.CREDIT UNION OF BALTBALTIMORE, MD · Over $500M70Health
Compare Aberdeen Proving Ground vs ANDREWS FEDERAL CREDIT UNION
Aberdeen Proving Ground nationwide neighbourhoods
Aberdeen Proving Ground's nationwide photo peers by assets and by health score, excluding Maryland charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.61B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Aberdeen Proving Ground ranks #551 of 4,374 nationally on financial health and #7 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Andrews Federal Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Andrews Federal Credit Union
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Aberdeen Proving Ground financially healthy?
Aberdeen Proving Ground scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #551 of 4,374; by total assets it ranks #200 of 4,374 nationally (same basis as /rankings/largest); and #4 of 62 within Maryland. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.07% net worth ratio and a 0.70% delinquency rate.
How does Aberdeen Proving Ground compare to other credit unions?
94/100 is Aberdeen Proving Ground's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Aberdeen Proving Ground?
Aberdeen Proving Ground operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Aberdeen Proving Ground directly for the exact boundaries and application steps.
Is my money safe at Aberdeen Proving Ground?
Federal credit unions like Aberdeen Proving Ground are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Aberdeen Proving Ground's net worth ratio of 9.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Aberdeen Proving Ground offer compared to banks?
Credit unions like Aberdeen Proving Ground are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Aberdeen Proving Ground directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.