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
Call Report peers
Ferko Md in the assets neighbourhood
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
Ferko Md sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Maryland, FEDCHOICE (#20) scores 87/100, 2 points higher; one place down, Educational Systems (#22) ties at 85/100.
How Ferko Md's 5300 filing moved
Ferko Md: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $28.8M (2025Q4) to $29.9M (2026Q1).
- Net-worth ratio shifted -0.15 pp (19.31% → 19.16%).
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
Ferko Md gives up 15 points in total. Member Growth costs the most, 9.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Ferko Md financially healthy?
Ferko Md has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,893 of 4,374 nationally on health and #21 of 62 in Maryland. Its net worth ratio is 19.16% and its delinquency rate 0.58%.
How does Ferko Md compare to other credit unions?
Ferko Md scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (19.16% vs 14.86%). Its widest shortfall is loan-to-share ratio (47.17% vs 59.80%).
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?
Ferko Md 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. Ferko Md's net worth ratio of 19.16% 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.