Federal credit union · Germantown, Maryland · NCUA charter #18716
MID-ATLANTIC
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $439.8M
- Total assets
- 17,775
- Members
- 10.9%
- Net-worth ratio
MID-ATLANTIC scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $439.8M; members 17,775; net-worth ratio 10.89%; health rank #2,140 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,140 of 4,374 health · 2025Q4MID-ATLANTIC · health 84/100 · $439.8M · 2025Q4
Call Report peers
MID-ATLANTIC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MID-ATLANTIC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MID-ATLANTIC sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
MID-ATLANTIC vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 80.73% vs peer 72.20% (+8.53 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.22 pp (10.89% vs 12.11%).
MID-ATLANTIC: in-state Call Report ranks
- Health composite ranks #27 of 62 among scored Maryland credit unions.
- Assets rank #20 of 62 inside Maryland ($439.8M reported).
- Member book place in Maryland: #27 of 62.
- One place up in Maryland, NYMEO (#26) ties at 84/100; one place down, None Suffer Lack (#28) scores 83/100, 1 point lower.
MID-ATLANTIC Call Report trajectory
MID-ATLANTIC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $439.8M (2025Q4) to $448.4M (2026Q1).
- Net-worth ratio shifted +0.09 pp (10.80% → 10.89%).
At 10.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
MID-ATLANTIC gives up 16 points in total. Member Growth costs the most, 10.7 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.9 pts
- Return on Assets 15.0 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.89% | -1.22 pp |
| Delinquency Rate | 1.01% | +0.12 pp |
| Return on Assets | 1.55% | +0.93 pp |
| Member Growth | -2.63% | - |
| Loan-to-Share Ratio | 80.73% | +8.53 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
MID-ATLANTIC filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $448.4M | - |
| 2025Q4 | $439.8M | 17,775 |
| 2024Q4 | $430.3M | 18,256 |
| 2023Q4 | $404.8M | 19,286 |
Credit Union Details
- Charter Number
- 18716
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- Germantown
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, MID-ATLANTIC runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Germantown (Main Office) | Germantown, MD |
| Gaithersburg | Gaithersburg, MD |
| Gaithersburg Inside ATM | Gaithersburg, MD |
| Silver Spring | Silver Spring, MD |
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.
MID-ATLANTIC nationwide neighbourhoods
Using this data
- MID-ATLANTIC ranks #2,140 of 4,374 nationally on financial health and #27 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHESSIE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHESSIE
Frequently Asked Questions
Is MID-ATLANTIC financially healthy?
MID-ATLANTIC has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,140 of 4,374 nationally on health and #27 of 62 in Maryland. Its net worth ratio is 10.89% and its delinquency rate 1.01%.
How does MID-ATLANTIC compare to other credit unions?
MID-ATLANTIC scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.73% vs 72.20%). Its widest shortfall is net worth ratio (10.89% vs 12.11%).
How can I join MID-ATLANTIC?
MID-ATLANTIC 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 MID-ATLANTIC directly for the exact boundaries and application steps.
Is my money safe at MID-ATLANTIC?
MID-ATLANTIC 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. MID-ATLANTIC's net worth ratio of 10.89% 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.