State credit union · BALTIMORE, Maryland · NCUA charter #66787

Municipal Empl.credit Union of Balt

Health score 70/100 (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 - Share Insurance Coverage

The 2025Q4 NCUA Call Report puts charter #66787 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.

NCUSIF coverage gauge for Municipal Empl.credit Union of Balt Share insurance under NCUSIF covers up to $250,000 per share owner. Municipal Empl.credit Union of Balt holds approximately $1.0B in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 12.9 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 12.9% · $1.0B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Municipal Empl.credit Union of Balt - Five Health Pillars

Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.

  • Capital (net worth ratio) 12.89% 30% weight
  • Asset quality (delinquency) 1.73% 25% weight
  • Earnings (ROA) 0.19% 15% weight
  • Member growth -6.49% 15% weight
  • Liquidity (loan-to-share) 78% 15% weight

Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 85.9%

At 12.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$1.25B
Total Assets
93,228
Members
$812.6M
Total Loans
$1.04B
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 12.89% 30%
Delinquency Rate 1.73% 25%
Return on Assets 0.19% 15%
Member Growth -6.49% 15%
Loan-to-Share Ratio 78.15% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Municipal Empl.credit Union of Balt

Municipal Empl.credit Union of Balt is a state credit union headquartered in BALTIMORE, Maryland, serving 93,228 members with $1.25B in total assets and $812.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 70/100 (Very Good), anchored by a net worth ratio of 12.89% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #66787 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.

1.73% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 78.15% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.19% on net income of $2.4M 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 -6.49%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

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.

Compare Municipal Empl.credit Union of Balt vs EDUCATIONAL SYSTEMS

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 Municipal Empl.credit Union of Balt financially healthy?

Municipal Empl.credit Union of Balt has a financial health score of 70/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.89% and delinquency rate of 1.73%.

How does Municipal Empl.credit Union of Balt compare to other credit unions?

PlainCU's health composite puts Municipal Empl.credit Union of Balt at 70/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?

Federal credit unions like Municipal Empl.credit Union of Balt 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. Municipal Empl.credit Union of Balt's net worth ratio of 12.89% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Municipal Empl.credit Union of Balt offer compared to banks?

Credit unions like Municipal Empl.credit Union of Balt 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 Municipal Empl.credit Union of Balt 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.