State credit union · Baltimore, Maryland · NCUA charter #66340
Central Credit Union of Maryland,in
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $41.6M
- Total assets
- 4,401
- Members
- 5.1%
- Net-worth ratio
Central Credit Union of Maryland,in - Share Insurance Coverage
Charter #66340'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.
Central Credit Union of Maryland,in - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)43
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)67
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
5.14% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.14% | 30% |
| Delinquency Rate | 0.15% | 25% |
| Return on Assets | 0.67% | 15% |
| Member Growth | -4.99% | 15% |
| Loan-to-Share Ratio | 45.76% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $41.6M | 4,401 |
| 2024Q4 | $42.4M | 4,632 |
| 2023Q4 | $43.6M | 4,791 |
Credit Union Details
- Charter Number
- 66340
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Maryland
- City
- Baltimore
- Data Quarter
- 2025Q4
What This Data Says About Central Credit Union of Maryland,in
Central Credit Union of Maryland,in is a state credit union headquartered in Baltimore, Maryland, serving 4,401 members with $41.6M in total assets and $16.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 63/100 (Good), anchored by a net worth ratio of 5.14% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #66340 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.15% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 45.76% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.67% on net income of $279K 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 -4.99%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
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 Central Credit Union of Maryland,in financially healthy?
A 5.14% net worth ratio and a 0.15% delinquency rate feed into Central Credit Union of Maryland,in's financial health score of 63/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Central Credit Union of Maryland,in compare to other credit unions?
63/100 is Central Credit Union of Maryland,in's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Central Credit Union of Maryland,in?
Membership eligibility for Central Credit Union of Maryland,in depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Central Credit Union of Maryland,in directly for current membership requirements and application steps.
Is my money safe at Central Credit Union of Maryland,in?
Federal credit unions like Central Credit Union of Maryland,in 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. Central Credit Union of Maryland,in's net worth ratio of 5.14% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Central Credit Union of Maryland,in offer compared to banks?
Credit unions like Central Credit Union of Maryland,in 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 Central Credit Union of Maryland,in 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.