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
- NCUSIF 57/100
- CAMELS 18.9%
- HEALTH 2.10%
- NW -0.56%
- DELQ $140.4M
- ROA 17,457
- ASSETS #4,133/4,374
- MEM MAUI
- RANK 9003
Call Report peers
Market USA in the assets neighbourhood
Market USA's $140.4M assets sit next to MAUI ($140.3M) 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.
Market USA 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
57 5th percentile higher than 5% 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
Market USA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9003, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Market USA's 5300 filing moved
Market USA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $140.4M (2025Q4) to $141.4M (2026Q1).
- Net-worth ratio shifted +0.06 pp (18.83% → 18.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for Market USA - kept outside Maryland; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($140.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
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
- 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 Market USA financially healthy?
Yes/no aside, the number is 57/100 (Fair) - Market USA'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 #4,133 of 4,374; by total assets it ranks #1,538 of 4,374 nationally (same basis as /rankings/largest); and #32 of 62 within Maryland. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.89% net worth ratio and 2.10% delinquency rate are the key drivers.
How does Market USA compare to other credit unions?
On PlainCU's health composite, Market USA lands at 57/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Market USA 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. Market USA's net worth ratio of 18.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Market USA offer compared to banks?
Credit unions like Market USA 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 Market USA 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.