Federal credit union · Bel Air, Maryland · NCUA charter #8550
Freedom of Maryland
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $557.4M
- Total assets
- 42,086
- Members
- 8.4%
- Net-worth ratio
Freedom of Maryland scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $557.4M; members 42,086; net-worth ratio 8.38%; health rank #2,795 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,795 of 4,374 health · 2025Q4Freedom of Maryland · health 80/100 · $557.4M · 2025Q4
- CAMELS 80/100
- HEALTH 8.4%
- NW 1.13%
- DELQ 0.00%
- ROA $557.4M
- ASSETS 42,086
- MEM #2,795/4,374
- RANK City of Boston
- PHOTO 8550
Call Report peers
Freedom of Maryland in the assets neighbourhood
Freedom of Maryland's $557.4M assets sit next to City of Boston ($559.0M) 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.
Freedom 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
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
Freedom of Maryland - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8550 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Freedom of Maryland
- Largest favorable gap: Loan-to-Share Ratio at 88.76% vs peer 83.90% (+4.86 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.80 pp (8.38% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Freedom of Maryland: in-state Call Report ranks
- Maryland health ordinal: #33 of 62.
- By total assets, Freedom of Maryland is #17 of 62 in Maryland.
- Membership ranks #13 of 62 among Maryland CUs with a reported count (42,086 members).
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Freedom of Maryland: 2025Q4 → 2026Q1
Freedom of Maryland: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $557.4M (2025Q4) to $563.7M (2026Q1).
- Net-worth ratio shifted +0.07 pp (8.31% → 8.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under 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 26.0 pts
- Delinquency Rate 19.0 pts
- Return on Assets 4.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.5 pts
Freedom of Maryland vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.38% | -2.80 pp |
| Delinquency Rate | 1.13% | +0.25 pp |
| Return on Assets | 0.00% | -0.51 pp |
| Member Growth | 31.82% | - |
| Loan-to-Share Ratio | 88.76% | +4.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Freedom of Maryland quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $563.7M | - |
| 2025Q4 | $557.4M | 42,086 |
| 2024Q4 | $474.1M | 31,927 |
| 2023Q4 | $434.8M | 32,975 |
Credit Union Details
- Charter Number
- 8550
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Maryland
- City
- Bel Air
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for Freedom of Maryland, spread across 7 cities.
| Office | City |
|---|---|
| Park Avenue (Main Office) | Bel Air, MD |
| Fountain Green | Bel Air, MD |
| Forest Lakes | Forest Hill, MD |
| Edgewood | Gunpowder, MD |
| Swan Creek | Havre De Grace, MD |
| Hunt Valley | Hunt Valley, MD |
| HONEYGO | PERRY HALL, MD |
| Pikesville | Pikesville, MD |
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.
Freedom of Maryland nationwide neighbourhoods
Two NCUA Call Report peer sets for Freedom 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 ($557.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Freedom of Maryland ranks #2,795 of 4,374 nationally on financial health and #33 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SECURITYPLUS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SECURITYPLUS
- 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 Freedom of Maryland financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - Freedom of Maryland's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,795 of 4,374; by total assets it ranks #709 of 4,374 nationally (same basis as /rankings/largest); and #17 of 62 within Maryland. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.38% net worth ratio and 1.13% delinquency rate are the key drivers.
How does Freedom of Maryland compare to other credit unions?
80/100 is Freedom of Maryland's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Freedom of Maryland?
Freedom 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 Freedom of Maryland directly for the exact boundaries and application steps.
Is my money safe at Freedom of Maryland?
Federal credit unions like Freedom 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. Freedom of Maryland's net worth ratio of 8.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Freedom of Maryland offer compared to banks?
Credit unions like Freedom 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 Freedom 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.