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
- RANK 84/100
- PHOTO 17.6%
- BOOK 0.89%
- CHARTER 0.58%
- NCUSIF $23.3M
- CAMELS 1,669
- HEALTH #2,063/4,374
- NW Mint Valley
- DELQ 12185
Call Report peers
Thiokol Elkton in the assets neighbourhood
Thiokol Elkton's $23.3M assets sit next to Mint Valley ($23.3M) 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.
Thiokol Elkton 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
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #12185: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Thiokol Elkton
Thiokol Elkton: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $23.3M (2025Q4) to $24.1M (2026Q1).
- Net-worth ratio shifted -0.36 pp (18.01% → 17.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Thiokol Elkton's nationwide photo peers by assets and by health score, excluding Maryland charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- 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 Thiokol Elkton financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Thiokol Elkton carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,063 of 4,374; by total assets it ranks #3,049 of 4,374 nationally (same basis as /rankings/largest); and #50 of 62 within Maryland. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.65% net worth ratio and a 0.89% delinquency rate.
How does Thiokol Elkton compare to other credit unions?
Five weighted metrics from NCUA filings produce Thiokol Elkton's 84/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Thiokol Elkton 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. Thiokol Elkton's net worth ratio of 17.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Thiokol Elkton offer compared to banks?
Credit unions like Thiokol Elkton 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 Thiokol Elkton 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.