State credit union · BALTIMORE, Maryland · NCUA charter #66787
Municipal Empl.Credit Union of Balt
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $1.25B
- Total assets
- 93,228
- Members
- 12.9%
- Net-worth ratio
Municipal Empl.Credit Union of Balt scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.25B; members 93,228; net-worth ratio 12.93%; health rank #3,589 of 4,374; healthier than 17th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,589 of 4,374 health · 2025Q4Municipal Empl.Credit Union · health 70/100 · $1.25B · 2025Q4
Call Report peers
Municipal Empl.Credit Union of Balt in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Municipal Empl.Credit Union of Balt vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Municipal Empl.Credit Union of Balt sits in 70-74 with 317 others.
70 17th percentile higher than 17% 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
Peer-gap read for Municipal Empl.Credit Union of Balt
- Largest favorable gap: Net Worth Ratio at 12.93% vs peer 11.18% (+1.75 pp).
- Largest lag: Loan-to-Share Ratio at 78.15% vs peer 83.90% (-5.75 pp).
Municipal Empl.Credit Union of Balt in Maryland
- Health composite ranks #50 of 62 among scored Maryland credit unions.
- Maryland assets place: #9 of 62.
- Member book place in Maryland: #6 of 62.
- One place up in Maryland, Signal Financial (#49) scores 71/100, 1 point higher; one place down, MNCPPC (#51) scores 69/100, 1 point lower.
Municipal Empl.Credit Union of Balt: 2025Q4 → 2026Q1
Municipal Empl.Credit Union of Balt: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $1.25B (2025Q4) to $1.27B (2026Q1).
- Net-worth ratio shifted +0.00 pp (12.93% → 12.93%).
At 12.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
Municipal Empl.Credit Union of Balt gives up 30 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 14.6 pts
- Return on Assets 10.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Municipal Empl.Credit Union of Balt
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.93% | +1.75 pp |
| Delinquency Rate | 1.73% | +0.85 pp |
| Return on Assets | 0.19% | -0.32 pp |
| Member Growth | -6.49% | - |
| Loan-to-Share Ratio | 78.15% | -5.75 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Municipal Empl.Credit Union filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.27B | - |
| 2025Q4 | $1.25B | 93,228 |
| 2024Q4 | $1.26B | 99,699 |
| 2023Q4 | $1.30B | 103,030 |
Credit Union Details
- Charter Number
- 66787
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Maryland
- City
- BALTIMORE
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, Municipal Empl.Credit Union of Balt runs 10 offices in 5 different cities.
| Office | City |
|---|---|
| Corporate Offices (Main Office) | Baltimore, MD |
| Harry Deitchman PJM Center | Baltimore, MD |
| Elmer Bernhardt Headquarters Branch | Baltimore, MD |
| John T. O'Mailey Hamilton Center Branch | Baltimore, MD |
| Loch Ridge Center Branch | Baltimore, MD |
| Seton Branch | Baltimore, MD |
| Charles L. Benton Jr. Westview Branch | Catonsville, MD |
| Dundalk Branch | Dundalk, MD |
| Commercentre Branch | Pikesville, MD |
| Randallstown Branch | Randallstown, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
- EDUCATIONAL SYSTEMSGreenbelt, MD · Over $500M85Health
- FIRST FINANCIAL OF MARYLANDSparks, MD · Over $500M94Health
- POINT BREEZEHunt Valley, MD · Over $500M93Health
- CEDAR POINTLEXINGTON PARK, MD · Over $500M94Health
- NATIONAL INSTITUTES OF HEALTHRockville, MD · Over $500M75Health
Compare Municipal Empl.Credit Union of Balt vs EDUCATIONAL SYSTEMS
Cross-state Call Report peers for Municipal Empl.Credit Union
Using this data
- Municipal Empl.Credit Union of Balt ranks #3,589 of 4,374 nationally on financial health and #50 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Educational Systems is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Educational Systems
Frequently Asked Questions
Is Municipal Empl.Credit Union of Balt financially healthy?
Municipal Empl.Credit Union of Balt has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,589 of 4,374 nationally on health and #50 of 62 in Maryland. Its net worth ratio is 12.93% and its delinquency rate 1.73%.
How does Municipal Empl.Credit Union of Balt compare to other credit unions?
Municipal Empl.Credit Union of Balt scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.93% vs 11.18%). Its widest shortfall is loan-to-share ratio (78.15% vs 83.90%).
How can I join Municipal Empl.Credit Union of Balt?
Membership eligibility for Municipal Empl.Credit Union of Balt depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Municipal Empl.Credit Union of Balt directly for current membership requirements and application steps.
Is my money safe at Municipal Empl.Credit Union of Balt?
Municipal Empl.Credit Union of Balt is a state-chartered 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. Municipal Empl.Credit Union of Balt's net worth ratio of 12.93% 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.