State credit union · Baltimore, Maryland · NCUA charter #66340
Central Credit Union of Maryland,in
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $41.6M
- Total assets
- 4,401
- Members
- 12.5%
- Net-worth ratio
Central Credit Union of Maryland,in scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.6M; members 4,401; net-worth ratio 12.46%; health rank #2,735 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,735 of 4,374 health · 2025Q4Central Credit Union · health 80/100 · $41.6M · 2025Q4
- NCUSIF 80/100
- CAMELS 12.5%
- HEALTH 0.15%
- NW 0.67%
- DELQ $41.6M
- ROA 4,401
- ASSETS #2,735/4,374
- MEM Wyrope Williamsport
- RANK 66340
Call Report peers
Central Credit Union of Maryland,in in the assets neighbourhood
Central Credit Union of Maryland,in's $41.6M assets sit next to Wyrope Williamsport ($41.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Central Credit Union of Maryland,in vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% 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
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 vs $10M–$50M peers
- Largest favorable gap: Delinquency Rate at 0.15% vs peer 1.15% (-1.00 pp).
- Largest lag: Loan-to-Share Ratio at 45.76% vs peer 59.80% (-14.04 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Maryland standing for Central Credit Union of Maryland,in
- In Maryland, health place is #31 of 62 on the same NCUA-ratio sort used nationally.
- Assets rank #42 of 62 inside Maryland ($41.6M reported).
- Member book place in Maryland: #39 of 62.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Central Credit Union of Maryland,in's 5300 filing moved
Central Credit Union of Maryland,in: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $41.6M (2025Q4) to $42.2M (2026Q1).
- Net-worth ratio shifted +0.05 pp (12.41% → 12.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
Call Report ratios for Central Credit Union of Maryland,in
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.46% | -2.40 pp |
| Delinquency Rate | 0.15% | -1.00 pp |
| Return on Assets | 0.67% | -0.03 pp |
| Member Growth | -4.99% | - |
| Loan-to-Share Ratio | 45.76% | -14.04 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Central Credit Union of Maryland,in
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $42.2M | - |
| 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
Branch Locations (2)
Central Credit Union of Maryland,in operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Loch Raven Branch (Main Office) | Baltimore, MD |
| Perry Point Branch | Perry Point, 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.
Central Credit Union of Maryland,in nationwide neighbourhoods
Cross-state asset and health neighbours for Central Credit Union of Maryland,in - kept outside Maryland; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($41.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Central Credit Union of Maryland,in ranks #2,735 of 4,374 nationally on financial health and #31 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- W S S C is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with W S S C
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Central Credit Union of Maryland,in financially healthy?
A 12.46% net worth ratio and a 0.15% delinquency rate feed into Central Credit Union of Maryland,in's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,735 of 4,374; by total assets it ranks #2,562 of 4,374 nationally (same basis as /rankings/largest); and #42 of 62 within Maryland. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Central Credit Union of Maryland,in compare to other credit unions?
80/100 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 12.46% exceeds 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.
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.