Federal credit union · LARGO, Maryland · NCUA charter #7264
Money One
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $106.4M
- Total assets
- 6,837
- Members
- 11.4%
- Net-worth ratio
Money One scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $106.4M; members 6,837; net-worth ratio 11.44%; health rank #3,538 of 4,374; healthier than 18th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,538 of 4,374 health · 2025Q4Money One · health 71/100 · $106.4M · 2025Q4
Call Report peers
Money One in the assets neighbourhood
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Money One vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Money One sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Money One: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 89.80% here, 72.20% peer average (+17.60 pp).
- Largest lag: Delinquency Rate at 1.82% vs peer 0.89% (+0.93 pp).
Money One: in-state Call Report ranks
- Maryland health ordinal: #47 of 62.
- Maryland assets place: #34 of 62.
- Maryland membership ordinal: #35 of 62.
- One place up in Maryland, LAFAYETTE (#46) ties at 71/100; one place down, U S Postal Service (#48) ties at 71/100.
Money One: 2025Q4 → 2026Q1
Money One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $106.4M (2025Q4) to $107.5M (2026Q1).
- Net-worth ratio shifted -0.99 pp (12.43% → 11.44%).
This credit union's 11.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Money One gives up 29 points in total. Member Growth 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 13.8 pts
- Return on Assets 12.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
Money One vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.44% | -0.67 pp |
| Delinquency Rate | 1.82% | +0.93 pp |
| Return on Assets | 0.34% | -0.28 pp |
| Member Growth | -11.70% | - |
| Loan-to-Share Ratio | 89.80% | +17.60 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Money One quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $107.5M | - |
| 2025Q4 | $106.4M | 6,837 |
| 2024Q4 | $112.4M | 7,743 |
| 2023Q4 | $121.5M | 8,474 |
Credit Union Details
- Charter Number
- 7264
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- LARGO
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Money One.
| Office | City |
|---|---|
| MONEY ONE FCU (Main Office) | LARGO, 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.
Money One nationwide neighbourhoods
Using this data
- Money One ranks #3,538 of 4,374 nationally on financial health and #47 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Eagle is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Eagle
Frequently Asked Questions
Is Money One financially healthy?
Money One has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,538 of 4,374 nationally on health and #47 of 62 in Maryland. Its net worth ratio is 11.44% and its delinquency rate 1.82%.
How does Money One compare to other credit unions?
Money One scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.80% vs 72.20%). Its widest shortfall is delinquency rate (1.82% vs 0.89%).
How can I join Money One?
Money One 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 Money One directly for the exact boundaries and application steps.
Is my money safe at Money One?
Money One 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. Money One's net worth ratio of 11.44% 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.