Federal credit union · College Park, Maryland · NCUA charter #18948
MNCPPC
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $16.4M
- Total assets
- 1,696
- Members
- 12.1%
- Net-worth ratio
MNCPPC scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.4M; members 1,696; net-worth ratio 12.08%; health rank #3,652 of 4,374; healthier than 16th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,652 of 4,374 health · 2025Q4MNCPPC · health 69/100 · $16.4M · 2025Q4
Call Report peers
MNCPPC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MNCPPC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MNCPPC sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
MNCPPC: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 63.75% here, 59.80% peer average (+3.95 pp).
- Net Worth Ratio trails the peer set - 12.08% here, 14.86% peer average (-2.78 pp).
MNCPPC in Maryland
- Maryland health ordinal: #51 of 62.
- Maryland assets place: #53 of 62.
- Maryland membership ordinal: #51 of 62.
- One place up in Maryland, Municipal Empl.Credit Union of Balt (#50) scores 70/100, 1 point higher; one place down, HEMA (#52) ties at 69/100.
How MNCPPC's 5300 filing moved
MNCPPC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $16.4M (2025Q4) to $16.6M (2026Q1).
- Net-worth ratio shifted -0.21 pp (12.29% → 12.08%).
This credit union's 12.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
MNCPPC gives up 31 points in total. Delinquency Rate costs the most, 20 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 13.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.08% | -2.78 pp |
| Delinquency Rate | 3.19% | +2.05 pp |
| Return on Assets | 0.51% | -0.20 pp |
| Member Growth | -2.14% | - |
| Loan-to-Share Ratio | 63.75% | +3.95 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
MNCPPC filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.6M | - |
| 2025Q4 | $16.4M | 1,696 |
| 2024Q4 | $15.8M | 1,733 |
| 2023Q4 | $14.8M | 1,810 |
Credit Union Details
- Charter Number
- 18948
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Maryland
- City
- College Park
- Data Quarter
- 2025Q4
Branch Locations (2)
MNCPPC operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | College Park, MD |
| Branch Office | Wheaton, 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.
MNCPPC nationwide neighbourhoods
Using this data
- MNCPPC ranks #3,652 of 4,374 nationally on financial health and #51 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HEMA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HEMA
Frequently Asked Questions
Is MNCPPC financially healthy?
On its 2025Q4 NCUA 5300 filing, MNCPPC scores 69/100 (Good), with a 12.08% net worth ratio and 3.19% of loans delinquent. It ranks #3,652 of 4,374 nationally on health and #51 of 62 in Maryland.
How does MNCPPC compare to other credit unions?
MNCPPC scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (63.75% vs 59.80%). Its widest shortfall is net worth ratio (12.08% vs 14.86%).
How can I join MNCPPC?
MNCPPC carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact MNCPPC directly to confirm current membership steps.
Is my money safe at MNCPPC?
MNCPPC 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. MNCPPC's net worth ratio of 12.08% 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.