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
- NW 38/100
- DELQ 19.8%
- ROA 13.68%
- ASSETS -0.39%
- MEM $5.7M
- RANK 1,434
- PHOTO #4,348/4,374
- BOOK n/a
- CHARTER 14815
Call Report peers
Local 355 Md carries $5.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Local 355 Md 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
38 1st percentile higher than 1% 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
Local 355 Md - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14815. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Local 355 Md: 2025Q4 → 2026Q1
Local 355 Md: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $5.7M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted +0.42 pp (19.41% → 19.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 38.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for Local 355 Md - kept outside Maryland; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (38/100 here).
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
- 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 Local 355 Md financially healthy?
A 19.83% net worth ratio and a 13.68% delinquency rate feed into Local 355 Md's financial health score of 38/100 (Weak), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,348 of 4,374; by total assets it ranks #3,820 of 4,374 nationally (same basis as /rankings/largest); and #56 of 62 within Maryland. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Local 355 Md compare to other credit unions?
38/100 is Local 355 Md's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Local 355 Md 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. Local 355 Md's net worth ratio of 19.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Local 355 Md offer compared to banks?
Credit unions like Local 355 Md 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 Local 355 Md 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.