Federal credit union · SALISBURY, Maryland · NCUA charter #9893
Bee
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $7.7M
- Total assets
- 1,015
- Members
- 20.0%
- Net-worth ratio
Bee - Share Insurance Coverage
Charter #9893'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.
Bee - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)31
- Earnings (ROA)52
- Member growth51
- Liquidity (loan-to-share)69
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
19.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.98% | 30% |
| Delinquency Rate | 2.77% | 25% |
| Return on Assets | 0.07% | 15% |
| Member Growth | -0.78% | 15% |
| Loan-to-Share Ratio | 48.53% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Bee
Charter #9893, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Bee, a federal credit union in SALISBURY, Maryland with 1,015 members, $7.7M in total assets, and $2.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 63/100 (Good), helped by a net worth ratio of 19.98% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 48.53% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 2.77% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at 0.07% on net income of $6K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.78%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Bee financially healthy?
Bee scores 63/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.98% net worth ratio and a 2.77% delinquency rate.
How does Bee compare to other credit unions?
PlainCU's health composite puts Bee at 63/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Bee 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. Bee's net worth ratio of 19.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bee offer compared to banks?
Credit unions like Bee 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 Bee directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.