Federal credit union · BALTIMORE, Maryland · NCUA charter #19668
Five Star of Maryland
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $61.4M
- Total assets
- 5,799
- Members
- 12.7%
- Net-worth ratio
Five Star of Maryland scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $61.4M; members 5,799; net-worth ratio 12.68%; health rank #3,177 of 4,374; healthier than 26th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,177 of 4,374 health · 2025Q4Five Star of Maryland · health 76/100 · $61.4M · 2025Q4
- NCUSIF 76/100
- CAMELS 12.7%
- HEALTH 0.13%
- NW 0.20%
- DELQ $61.4M
- ROA 5,799
- ASSETS #3,177/4,374
- MEM Palmetto First
- RANK 19668
Call Report peers
Five Star of Maryland in the assets neighbourhood
Five Star of Maryland's $61.4M assets sit next to Palmetto First ($61.5M) 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.
Five Star of Maryland 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
76 26th percentile higher than 26% 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
Five Star of Maryland - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #19668, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Five Star of Maryland
- Delinquency Rate leads the peer set - 0.13% here, 0.96% peer average (-0.84 pp).
- Loan-to-Share Ratio trails the peer set - 46.51% here, 62.60% peer average (-16.09 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Maryland standing for Five Star of Maryland
- Health composite ranks #41 of 62 among scored Maryland credit unions.
- Assets rank #39 of 62 inside Maryland ($61.4M reported).
- Maryland membership ordinal: #36 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.
Five Star of Maryland Call Report trajectory
Five Star of Maryland: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $61.4M (2025Q4) to $62.2M (2026Q1).
- Net-worth ratio shifted -0.07 pp (12.75% → 12.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.4 pts
Five Star of Maryland health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.68% | -0.94 pp |
| Delinquency Rate | 0.13% | -0.84 pp |
| Return on Assets | 0.20% | -0.45 pp |
| Member Growth | -5.77% | - |
| Loan-to-Share Ratio | 46.51% | -16.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Five Star of Maryland quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $62.2M | - |
| 2025Q4 | $61.4M | 5,799 |
| 2024Q4 | $64.4M | 6,154 |
| 2023Q4 | $57.0M | 5,165 |
Credit Union Details
- Charter Number
- 19668
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Maryland
- City
- BALTIMORE
- Data Quarter
- 2025Q4
Branch Locations (4)
Five Star of Maryland operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Maiden Choice Lane Office (Main Office) | Baltimore, MD |
| Caton Avenue Office | Baltimore, MD |
| W R Grace Office | Baltimore, MD |
| Glen Burnie | Glen Burnie, 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.
Five Star of Maryland nationwide neighbourhoods
Two NCUA Call Report peer sets for Five Star of Maryland, both outside Maryland so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($61.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- Five Star of Maryland ranks #3,177 of 4,374 nationally on financial health and #41 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LM
- 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 Five Star of Maryland financially healthy?
Five Star of Maryland scores 76/100 (Very Good) 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 #3,177 of 4,374; by total assets it ranks #2,239 of 4,374 nationally (same basis as /rankings/largest); and #39 of 62 within Maryland. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.68% net worth ratio and a 0.13% delinquency rate.
How does Five Star of Maryland compare to other credit unions?
Five weighted metrics from NCUA filings produce Five Star of Maryland's 76/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Five Star of Maryland?
Five Star of Maryland 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 Five Star of Maryland directly for the exact boundaries and application steps.
Is my money safe at Five Star of Maryland?
Federal credit unions like Five Star of Maryland 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. Five Star of Maryland's net worth ratio of 12.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Five Star of Maryland offer compared to banks?
Credit unions like Five Star of Maryland 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 Five Star of Maryland 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.