Federal credit union · SALISBURY, Maryland · NCUA charter #9893
BEE
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $7.7M
- Total assets
- 1,015
- Members
- 21.9%
- Net-worth ratio
BEE scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.7M; members 1,015; net-worth ratio 21.93%; health rank #3,937 of 4,374; healthier than 9th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,937 of 4,374 health · 2025Q4BEE · health 63/100 · $7.7M · 2025Q4
Call Report peers
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BEE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BEE sits in 60-64 with 179 others.
63 9th percentile higher than 9% 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
Where BEE diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +2.87 pp (21.93% vs 19.06%).
- Largest lag: Loan-to-Share Ratio at 48.53% vs peer 63.60% (-15.07 pp).
BEE in Maryland
- In Maryland, health place is #56 of 62 on the same NCUA-ratio sort used nationally.
- By total assets, BEE is #55 of 62 in Maryland.
- Membership ranks #55 of 62 among Maryland CUs with a reported count (1,015 members).
- One place up in Maryland, FEDFINANCIAL (#55) scores 64/100, 1 point higher; one place down, Cecil County School Employees (#57) scores 60/100, 3 points lower.
BEE Call Report trajectory
BEE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $7.7M (2025Q4) to $7.8M (2026Q1).
- Net-worth ratio shifted -0.23 pp (22.16% → 21.93%).
21.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
BEE gives up 37 points in total. Delinquency Rate costs the most, 17.3 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.7 pts
- Return on Assets 7.7 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 10.0 pts
BEE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.93% | +2.87 pp |
| Delinquency Rate | 2.77% | +0.96 pp |
| Return on Assets | 0.07% | -0.38 pp |
| Member Growth | -0.78% | - |
| Loan-to-Share Ratio | 48.53% | -15.07 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
BEE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.8M | - |
| 2025Q4 | $7.7M | 1,015 |
| 2024Q4 | $7.7M | 1,023 |
| 2023Q4 | $8.0M | 963 |
Credit Union Details
- Charter Number
- 9893
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Maryland
- City
- SALISBURY
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, BEE runs one office.
| Office | City |
|---|---|
| 1414 S DIVISION ST (Main Office) | SALISBURY, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for BEE
Similar health score
Using this data
- BEE ranks #3,937 of 4,374 nationally on financial health and #56 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Local 355 Md is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Local 355 Md
Frequently Asked Questions
Is BEE financially healthy?
On its 2025Q4 NCUA 5300 filing, BEE scores 63/100 (Good), with a 21.93% net worth ratio and 2.77% of loans delinquent. It ranks #3,937 of 4,374 nationally on health and #56 of 62 in Maryland.
How does BEE compare to other credit unions?
BEE scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (21.93% vs 19.06%). Its widest shortfall is loan-to-share ratio (48.53% vs 63.60%).
How can I join BEE?
BEE serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact BEE directly for the current list of qualifying groups.
Is my money safe at BEE?
BEE 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. BEE's net worth ratio of 21.93% 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.