Federal credit union · Frederick, Maryland · NCUA charter #10381
Ferko Md
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $28.8M
- Total assets
- 3,050
- Members
- 19.2%
- Net-worth ratio
Ferko Md scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.8M; members 3,050; net-worth ratio 19.16%; health rank #1,893 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,893 of 4,374 health · 2025Q4Ferko Md · health 85/100 · $28.8M · 2025Q4
- MEM 85/100
- RANK 19.2%
- PHOTO 0.58%
- BOOK 1.60%
- CHARTER $28.8M
- NCUSIF 3,050
- CAMELS #1,893/4,374
- HEALTH Bakersfield City Employees
- NW 10381
Call Report peers
Ferko Md in the assets neighbourhood
Ferko Md's $28.8M assets sit next to Bakersfield City Employees ($28.8M) 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.
Ferko Md 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
85 Top 46% higher than 54% 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
Ferko Md - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10381. See our deposit-insurance coverage note.
Where Ferko Md diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 19.16% vs peer 14.86% (+4.30 pp).
- Loan-to-Share Ratio trails the peer set - 47.17% here, 59.80% peer average (-12.63 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ferko Md: in-state Call Report ranks
- In Maryland, health place is #21 of 62 on the same NCUA-ratio sort used nationally.
- Assets rank #45 of 62 inside Maryland ($28.8M reported).
- Member book place in Maryland: #44 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 Ferko Md's 5300 filing moved
Ferko Md: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $28.8M (2025Q4) to $29.9M (2026Q1).
- Net-worth ratio shifted -0.15 pp (19.31% → 19.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 15.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 10.0 pts
Call Report ratios for Ferko Md
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.16% | +4.30 pp |
| Delinquency Rate | 0.58% | -0.56 pp |
| Return on Assets | 1.60% | +0.90 pp |
| Member Growth | -1.80% | - |
| Loan-to-Share Ratio | 47.17% | -12.63 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 - Ferko Md
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.9M | - |
| 2025Q4 | $28.8M | 3,050 |
| 2024Q4 | $28.9M | 3,106 |
| 2023Q4 | $31.5M | 3,676 |
Credit Union Details
- Charter Number
- 10381
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- Maryland
- City
- Frederick
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Ferko Md runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| 502 W Patrick St (Main Office) | Frederick, MD |
| 8348 Corporate Drive | Mount Pleasant, WI |
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.
Ferko Md nationwide neighbourhoods
Ferko Md's nationwide photo peers by assets and by health score, excluding Maryland charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($28.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Ferko Md ranks #1,893 of 4,374 nationally on financial health and #21 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I B E W 26 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I B E W 26
- 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 Ferko Md financially healthy?
Ferko Md scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,893 of 4,374; by total assets it ranks #2,882 of 4,374 nationally (same basis as /rankings/largest); and #45 of 62 within Maryland. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.16% net worth ratio and a 0.58% delinquency rate.
How does Ferko Md compare to other credit unions?
PlainCU's health composite puts Ferko Md at 85/100, compared to a peer group average for $10M–$50M 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 Ferko Md?
Ferko Md is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Ferko Md directly to confirm eligibility.
Is my money safe at Ferko Md?
Federal credit unions like Ferko Md 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. Ferko Md's net worth ratio of 19.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ferko Md offer compared to banks?
Credit unions like Ferko Md 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 Ferko Md 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.