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.
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NCUA 5300 Call Report Masthead
#3,177 of 4,374 health · 2025Q4Five Star of Maryland · health 76/100 · $61.4M · 2025Q4
Call Report peers
Five Star of Maryland in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Five Star of Maryland sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Maryland, Destinations Credit Union (#40) ties at 76/100; one place down, W S S C (#42) ties at 76/100.
Five Star of Maryland Call Report trajectory
Five Star of Maryland: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $61.4M (2025Q4) to $62.2M (2026Q1).
- Net-worth ratio shifted -0.07 pp (12.75% → 12.68%).
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
Five Star of Maryland gives up 24 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Five Star of Maryland financially healthy?
Five Star of Maryland has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,177 of 4,374 nationally on health and #41 of 62 in Maryland. Its net worth ratio is 12.68% and its delinquency rate 0.13%.
How does Five Star of Maryland compare to other credit unions?
Five Star of Maryland scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.13% vs 0.96%). Its widest shortfall is loan-to-share ratio (46.51% vs 62.60%).
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?
Five Star of Maryland 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. Five Star of Maryland's net worth ratio of 12.68% 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.