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
- ROA 70/100
- ASSETS 12.9%
- MEM 1.73%
- RANK 0.19%
- PHOTO $1.25B
- BOOK 93,228
- CHARTER #3,589/4,374
- NCUSIF Gulf Winds
- CAMELS 66787
Call Report peers
Municipal Empl.Credit Union of Balt in the assets neighbourhood
Municipal Empl.Credit Union of Balt's $1.25B assets sit next to Gulf Winds ($1.25B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
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.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Municipal Empl.Credit Union of Balt: 2025Q4 → 2026Q1
Municipal Empl.Credit Union of Balt: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $1.25B (2025Q4) to $1.27B (2026Q1).
- Net-worth ratio shifted +0.00 pp (12.93% → 12.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Municipal Empl.Credit Union of Balt - kept outside Maryland; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.25B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,589 of 4,374; by total assets it ranks #389 of 4,374 nationally (same basis as /rankings/largest); and #9 of 62 within Maryland. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.93% 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 12.93% 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.
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.