Federal credit union · FREDERICK, Maryland · NCUA charter #16408
NYMEO
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $408.9M
- Total assets
- 20,850
- Members
- 11.0%
- Net-worth ratio
NYMEO scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $408.9M; members 20,850; net-worth ratio 10.96%; health rank #2,135 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,135 of 4,374 health · 2025Q4NYMEO · health 84/100 · $408.9M · 2025Q4
Call Report peers
NYMEO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NYMEO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NYMEO sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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
Where NYMEO diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 87.31% here, 72.20% peer average (+15.11 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.15 pp (10.96% vs 12.11%).
Where NYMEO sits in Maryland
- Health composite ranks #26 of 62 among scored Maryland credit unions.
- By total assets, NYMEO is #22 of 62 in Maryland.
- Maryland membership ordinal: #24 of 62.
- One place up in Maryland, Thiokol Elkton (#25) ties at 84/100; one place down, MID-ATLANTIC (#27) ties at 84/100.
Quarter path for NYMEO
NYMEO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $408.9M (2025Q4) to $408.5M (2026Q1).
- Net-worth ratio shifted +0.22 pp (10.74% → 10.96%).
This credit union's 10.96% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
NYMEO gives up 16 points in total. Delinquency Rate costs the most, 7.9 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.1 pts
- Return on Assets 14.9 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.96% | -1.15 pp |
| Delinquency Rate | 1.38% | +0.49 pp |
| Return on Assets | 0.49% | -0.13 pp |
| Member Growth | -0.87% | - |
| Loan-to-Share Ratio | 87.31% | +15.11 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - NYMEO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $408.5M | - |
| 2025Q4 | $408.9M | 20,850 |
| 2024Q4 | $363.7M | 21,033 |
| 2023Q4 | $357.3M | 21,689 |
Credit Union Details
- Charter Number
- 16408
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- FREDERICK
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, NYMEO runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| NYMEO Federal Credit Union (Main Office) | FREDERICK, MD |
| NYMEO FEDERAL CREDIT UNION - THOMAS JOHNSON | FREDERICK, MD |
| FREDERICK | FREDERICK, MD |
| GAITHERSBURG - BANK STREET | GAITHERSBURG, 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.
Other-state peers near NYMEO
Using this data
- NYMEO ranks #2,135 of 4,374 nationally on financial health and #26 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHESSIE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHESSIE
Frequently Asked Questions
Is NYMEO financially healthy?
NYMEO has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,135 of 4,374 nationally on health and #26 of 62 in Maryland. Its net worth ratio is 10.96% and its delinquency rate 1.38%.
How does NYMEO compare to other credit unions?
NYMEO scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.31% vs 72.20%). Its widest shortfall is net worth ratio (10.96% vs 12.11%).
How can I join NYMEO?
NYMEO 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 NYMEO directly for the exact boundaries and application steps.
Is my money safe at NYMEO?
NYMEO 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. NYMEO's net worth ratio of 10.96% 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.