Federal credit union · LAUREL, Maryland · NCUA charter #9003
Market USA
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $140.4M
- Total assets
- 17,457
- Members
- 18.9%
- Net-worth ratio
Market USA scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $140.4M; members 17,457; net-worth ratio 18.89%; health rank #4,133 of 4,374; healthier than 5th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,133 of 4,374 health · 2025Q4Market USA · health 57/100 · $140.4M · 2025Q4
Call Report peers
Market USA in the assets neighbourhood
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Market USA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Market USA sits in 55-59 with 115 others.
57 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Market USA vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +7.38 pp (79.58% vs 72.20%).
- Largest lag: Delinquency Rate at 2.10% vs peer 0.89% (+1.20 pp).
Maryland standing for Market USA
- Maryland health ordinal: #58 of 62.
- By total assets, Market USA is #32 of 62 in Maryland.
- Maryland membership ordinal: #28 of 62.
- One place up in Maryland, Cecil County School Employees (#57) scores 60/100, 3 points higher; one place down, Capital Area Realtors (#59) scores 56/100, 1 point lower.
How Market USA's 5300 filing moved
Market USA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $140.4M (2025Q4) to $141.4M (2026Q1).
- Net-worth ratio shifted +0.06 pp (18.83% → 18.89%).
This credit union's 18.89% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 57/100 score is built
Market USA gives up 43 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.9 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for Market USA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.89% | +6.78 pp |
| Delinquency Rate | 2.10% | +1.20 pp |
| Return on Assets | -0.56% | -1.18 pp |
| Member Growth | -11.74% | - |
| Loan-to-Share Ratio | 79.58% | +7.38 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Market USA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $141.4M | - |
| 2025Q4 | $140.4M | 17,457 |
| 2024Q4 | $134.8M | 19,779 |
| 2023Q4 | $136.8M | 19,121 |
Credit Union Details
- Charter Number
- 9003
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- LAUREL
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Market USA runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Laurel HQ (Main Office) | Laurel, MD |
| Mauldin | Greenville, SC |
| Laurel Branch | Laurel, 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.
Nationwide credit unions with similar profiles
Using this data
- Market USA ranks #4,133 of 4,374 nationally on financial health and #58 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Act 1st is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Act 1st
Frequently Asked Questions
Is Market USA financially healthy?
Market USA has a financial health score of 57/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,133 of 4,374 nationally on health and #58 of 62 in Maryland. Its net worth ratio is 18.89% and its delinquency rate 2.10%.
How does Market USA compare to other credit unions?
Market USA scores 57/100, higher than 5% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.58% vs 72.20%). Its widest shortfall is delinquency rate (2.10% vs 0.89%).
How can I join Market USA?
Market USA 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 Market USA directly for the exact boundaries and application steps.
Is my money safe at Market USA?
Market USA 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. Market USA's net worth ratio of 18.89% 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.