Federal credit union · Laurel, Maryland · NCUA charter #9475
APL
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $697.8M
- Total assets
- 30,919
- Members
- 11.5%
- Net-worth ratio
APL scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $697.8M; members 30,919; net-worth ratio 11.54%; health rank #391 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#391 of 4,374 health · 2025Q4APL · health 95/100 · $697.8M · 2025Q4
Call Report peers
APL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
APL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); APL sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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
APL: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.36 pp (0.51% vs 0.87%).
- Largest lag: Loan-to-Share Ratio at 73.98% vs peer 83.90% (-9.92 pp).
APL in Maryland
- Maryland health ordinal: #4 of 62.
- Maryland assets place: #13 of 62.
- Member book place in Maryland: #19 of 62.
- One place up in Maryland, LM (#3) ties at 95/100; one place down, First Financial of Maryland (#5) scores 94/100, 1 point lower.
How APL's 5300 filing moved
APL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $697.8M (2025Q4) to $709.5M (2026Q1).
- Net-worth ratio shifted -0.11 pp (11.65% → 11.54%).
At 11.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
APL gives up 5 points in total. Member Growth costs the most, 4.6 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.9 pts
- Return on Assets 15.0 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.54% | +0.36 pp |
| Delinquency Rate | 0.51% | -0.36 pp |
| Return on Assets | 0.77% | +0.26 pp |
| Member Growth | 1.16% | - |
| Loan-to-Share Ratio | 73.98% | -9.92 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
APL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $709.5M | - |
| 2025Q4 | $697.8M | 30,919 |
| 2024Q4 | $640.7M | 30,565 |
| 2023Q4 | $626.0M | 30,009 |
Credit Union Details
- Charter Number
- 9475
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Maryland
- City
- Laurel
- Data Quarter
- 2025Q4
Branch Locations (3)
APL operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Laurel, MD |
| McGaw | Columbia, MD |
| Campus | Laurel, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
APL nationwide neighbourhoods
Using this data
- APL ranks #391 of 4,374 nationally on financial health and #4 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Johns Hopkins is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Johns Hopkins
Frequently Asked Questions
Is APL financially healthy?
On its 2025Q4 NCUA 5300 filing, APL scores 95/100 (Excellent), with a 11.54% net worth ratio and 0.51% of loans delinquent. It ranks #391 of 4,374 nationally on health and #4 of 62 in Maryland.
How does APL compare to other credit unions?
APL scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.51% vs 0.87%). Its widest shortfall is loan-to-share ratio (73.98% vs 83.90%).
How can I join APL?
APL 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 APL directly for the exact boundaries and application steps.
Is my money safe at APL?
APL is a federal credit union; its shares are federally 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. APL's net worth ratio of 11.54% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.