Federal credit union · LEXINGTON PARK, Maryland · NCUA charter #5234
Cedar Point
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $875.7M
- Total assets
- 47,409
- Members
- 9.1%
- Net-worth ratio
Cedar Point scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $875.7M; members 47,409; net-worth ratio 9.07%; health rank #552 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#552 of 4,374 health · 2025Q4Cedar Point · health 94/100 · $875.7M · 2025Q4
Call Report peers
Cedar Point in the assets neighbourhood
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Cedar Point vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cedar Point sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Cedar Point: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Return on Assets: +0.17 pp (0.68% vs 0.51%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -19.31 pp (64.59% vs 83.90%).
Cedar Point: in-state Call Report ranks
- Maryland health ordinal: #8 of 62.
- Maryland assets place: #11 of 62.
- Member book place in Maryland: #11 of 62.
- One place up in Maryland, Aberdeen Proving Ground (#7) ties at 94/100; one place down, Point Breeze (#9) scores 93/100, 1 point lower.
How Cedar Point's 5300 filing moved
Cedar Point: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $875.7M (2025Q4) to $902.9M (2026Q1).
- Net-worth ratio shifted -0.09 pp (9.16% → 9.07%).
At 9.07%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Cedar Point gives up 6 points in total. Net Worth Ratio costs the most, 2.3 of its 30; Member Growth and Return on Assets score full marks.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.07% | -2.11 pp |
| Delinquency Rate | 0.72% | -0.16 pp |
| Return on Assets | 0.68% | +0.17 pp |
| Member Growth | 4.97% | - |
| Loan-to-Share Ratio | 64.59% | -19.31 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Cedar Point filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $902.9M | - |
| 2025Q4 | $875.7M | 47,409 |
| 2024Q4 | $803.7M | 45,166 |
| 2023Q4 | $772.1M | 47,295 |
Credit Union Details
- Charter Number
- 5234
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Maryland
- City
- LEXINGTON PARK
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, Cedar Point runs 6 offices in 5 different cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | Lexington Park, MD |
| Charlotte Hall | Charlotte Hall, MD |
| Leonardtown | Leonardtown, MD |
| Lexington Park | Lexington Park, MD |
| Prince Frederick | Prince Frederick, MD |
| Waldorf | Waldorf, 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.
Other-state peers near Cedar Point
Similar total assets
Similar health score
Using this data
- Cedar Point ranks #552 of 4,374 nationally on financial health and #8 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- National Institutes of Health is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with National Institutes of Health
Frequently Asked Questions
Is Cedar Point financially healthy?
Cedar Point has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #552 of 4,374 nationally on health and #8 of 62 in Maryland. Its net worth ratio is 9.07% and its delinquency rate 0.72%.
How does Cedar Point compare to other credit unions?
Cedar Point scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.68% vs 0.51%). Its widest shortfall is loan-to-share ratio (64.59% vs 83.90%).
How can I join Cedar Point?
Cedar Point 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 Cedar Point directly for the exact boundaries and application steps.
Is my money safe at Cedar Point?
Cedar Point 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. Cedar Point's net worth ratio of 9.07% 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.