Federal credit union · Elkton, Maryland · NCUA charter #12185
Thiokol Elkton
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $23.3M
- Total assets
- 1,669
- Members
- 17.6%
- Net-worth ratio
Thiokol Elkton scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.3M; members 1,669; net-worth ratio 17.65%; health rank #2,063 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,063 of 4,374 health · 2025Q4Thiokol Elkton · health 84/100 · $23.3M · 2025Q4
Call Report peers
Thiokol Elkton in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Thiokol Elkton vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Thiokol Elkton 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
Thiokol Elkton: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +2.79 pp (17.65% vs 14.86%).
- Loan-to-Share Ratio trails the peer set - 51.74% here, 59.80% peer average (-8.06 pp).
Thiokol Elkton in Maryland
- In Maryland, health place is #25 of 62 on the same NCUA-ratio sort used nationally.
- Assets rank #50 of 62 inside Maryland ($23.3M reported).
- Membership ranks #52 of 62 among Maryland CUs with a reported count (1,669 members).
- One place up in Maryland, PEAKE (#24) scores 85/100, 1 point higher; one place down, NYMEO (#26) ties at 84/100.
Quarter path for Thiokol Elkton
Thiokol Elkton: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $23.3M (2025Q4) to $24.1M (2026Q1).
- Net-worth ratio shifted -0.36 pp (18.01% → 17.65%).
This credit union's 17.65% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Thiokol Elkton gives up 16 points in total. Member Growth costs the most, 7.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.1 pts
- Return on Assets 15.0 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 10.6 pts
Thiokol Elkton vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.65% | +2.79 pp |
| Delinquency Rate | 0.89% | -0.26 pp |
| Return on Assets | 0.58% | -0.13 pp |
| Member Growth | -0.95% | - |
| Loan-to-Share Ratio | 51.74% | -8.06 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.1M | - |
| 2025Q4 | $23.3M | 1,669 |
| 2024Q4 | $24.3M | 1,685 |
| 2023Q4 | $22.6M | 1,735 |
Credit Union Details
- Charter Number
- 12185
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Maryland
- City
- Elkton
- Data Quarter
- 2025Q4
Branch Locations (2)
Thiokol Elkton operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Thiokol-Elkton FCU (Main Office) | Elkton, MD |
| AMI, INC | Mount Pleasant, WI |
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.
Thiokol Elkton nationwide neighbourhoods
Using this data
- Thiokol Elkton ranks #2,063 of 4,374 nationally on financial health and #25 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Capital Area Realtors is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Capital Area Realtors
Frequently Asked Questions
Is Thiokol Elkton financially healthy?
Thiokol Elkton has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,063 of 4,374 nationally on health and #25 of 62 in Maryland. Its net worth ratio is 17.65% and its delinquency rate 0.89%.
How does Thiokol Elkton compare to other credit unions?
Thiokol Elkton scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (17.65% vs 14.86%). Its widest shortfall is loan-to-share ratio (51.74% vs 59.80%).
How can I join Thiokol Elkton?
Thiokol Elkton 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 Thiokol Elkton directly for the exact boundaries and application steps.
Is my money safe at Thiokol Elkton?
Thiokol Elkton 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. Thiokol Elkton's net worth ratio of 17.65% 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.