Federal credit union · Silver Spring, Maryland · NCUA charter #24246
Mt. Jezreel
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $229K
- Total assets
- 182
- Members
- 14.1%
- Net-worth ratio
Mt. Jezreel - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24246. See our deposit-insurance coverage note.
Mt. Jezreel - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)41
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
14.05% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.05% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 2.86% | 15% |
| Member Growth | -11.22% | 15% |
| Loan-to-Share Ratio | 2.45% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $229K | 182 |
| 2024Q4 | $230K | 205 |
| 2023Q4 | $245K | 451 |
Credit Union Details
- Charter Number
- 24246
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Maryland
- City
- Silver Spring
- Data Quarter
- 2025Q4
What This Data Says About Mt. Jezreel
The five-factor composite scores Mt. Jezreel at 76/100 (Very Good), reflecting a net worth ratio of 14.05% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Silver Spring, Maryland, reports 182 members, $229K in total assets, and $5K in outstanding loans as of Q4 2025 under charter #24246 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 2.45% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.86% on net income of $7K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -11.22%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Mt. Jezreel financially healthy?
Mt. Jezreel scores 76/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.05% net worth ratio and a 0.00% delinquency rate.
How does Mt. Jezreel compare to other credit unions?
Mt. Jezreel scores 76/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Mt. Jezreel?
Mt. Jezreel 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 Mt. Jezreel directly for the exact boundaries and application steps.
Is my money safe at Mt. Jezreel?
Federal credit unions like Mt. Jezreel 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. Mt. Jezreel's net worth ratio of 14.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mt. Jezreel offer compared to banks?
Credit unions like Mt. Jezreel 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 Mt. Jezreel directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.