Federal credit union · BALTIMORE, Maryland · NCUA charter #14815
Local 355 Md
Health score 38/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 38
- Health / 100
- $5.7M
- Total assets
- 1,434
- Members
- 19.8%
- Net-worth ratio
Local 355 Md scores 38/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.7M; members 1,434; net-worth ratio 19.83%; health rank #4,348 of 4,374; healthier than 1st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,348 of 4,374 health · 2025Q4Local 355 Md · health 38/100 · $5.7M · 2025Q4
Call Report peers
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Local 355 Md vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Local 355 Md sits in 35-39 with 14 others.
38 1st percentile higher than 1% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Local 355 Md vs $2M–$10M peers
- Net Worth Ratio leads the peer set - 19.83% here, 19.06% peer average (+0.77 pp).
- Largest lag: Loan-to-Share Ratio at 12.48% vs peer 63.60% (-51.12 pp).
Maryland standing for Local 355 Md
- In Maryland, health place is #62 of 62 on the same NCUA-ratio sort used nationally.
- By total assets, Local 355 Md is #56 of 62 in Maryland.
- Member book place in Maryland: #53 of 62.
- No scored Maryland credit union ranks lower; the next one up, Mvp Postal and Printing (#61) scores 55/100, 17 points higher.
Local 355 Md: 2025Q4 → 2026Q1
Local 355 Md: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $5.7M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted +0.42 pp (19.41% → 19.83%).
19.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 38/100 score is built
Local 355 Md gives up 62 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 1.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.0 pts
Local 355 Md vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.83% | +0.77 pp |
| Delinquency Rate | 13.68% | +11.87 pp |
| Return on Assets | -0.39% | -0.84 pp |
| Member Growth | -7.00% | - |
| Loan-to-Share Ratio | 12.48% | -51.12 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Local 355 Md
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.8M | - |
| 2025Q4 | $5.7M | 1,434 |
| 2024Q4 | $5.7M | 1,542 |
| 2023Q4 | $5.9M | 1,667 |
Credit Union Details
- Charter Number
- 14815
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Maryland
- City
- BALTIMORE
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Local 355 Md, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| LOCAL 355 MD FCU (Main Office) | BALTIMORE, MD |
| LOCAL 355 MD FCU | BALTIMORE, MD |
| FEDCOMP INC. | FAIRFAX, VA |
| FEDCOMP INC. | FAIRFAX, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Local 355 Md ranks #4,348 of 4,374 nationally on financial health and #62 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mvp Postal and Printing is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mvp Postal and Printing
Frequently Asked Questions
Is Local 355 Md financially healthy?
On its 2025Q4 NCUA 5300 filing, Local 355 Md scores 38/100 (Weak), with a 19.83% net worth ratio and 13.68% of loans delinquent. It ranks #4,348 of 4,374 nationally on health and #62 of 62 in Maryland.
How does Local 355 Md compare to other credit unions?
Local 355 Md scores 38/100, higher than 1% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (19.83% vs 19.06%). Its widest shortfall is loan-to-share ratio (12.48% vs 63.60%).
How can I join Local 355 Md?
Local 355 Md serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Local 355 Md directly for the current list of qualifying groups.
Is my money safe at Local 355 Md?
Local 355 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. Local 355 Md's net worth ratio of 19.83% 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.