Federal credit union · LAUREL, Maryland · NCUA charter #8333
TOWER
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $4.79B
- Total assets
- 216,226
- Members
- 14.0%
- Net-worth ratio
TOWER scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.79B; members 216,226; net-worth ratio 13.99%; health rank #1,432 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,432 of 4,374 health · 2025Q4TOWER · health 88/100 · $4.79B · 2025Q4
Call Report peers
TOWER in the assets neighbourhood
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TOWER vs every NCUA-scored credit union
TOWER sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
TOWER: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +4.52 pp (88.42% vs 83.90%).
TOWER in Maryland
- In Maryland, health place is #15 of 62 on the same NCUA-ratio sort used nationally.
- Assets rank #3 of 62 inside Maryland ($4.79B reported).
- Member book place in Maryland: #3 of 62.
- One place up in Maryland, Washington County Teachers (#14) scores 89/100, 1 point higher; one place down, NASA (#16) ties at 88/100.
Quarter path for TOWER
TOWER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $4.79B (2025Q4) to $5.00B (2026Q1).
- Net-worth ratio shifted -0.35 pp (14.34% → 13.99%).
At 13.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
TOWER gives up 12 points in total. Member Growth costs the most, 12 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.99% | +2.81 pp |
| Delinquency Rate | 0.45% | -0.43 pp |
| Return on Assets | 1.28% | +0.77 pp |
| Member Growth | -3.35% | - |
| Loan-to-Share Ratio | 88.42% | +4.52 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - TOWER
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.00B | - |
| 2025Q4 | $4.79B | 216,226 |
| 2024Q4 | $4.54B | 223,720 |
| 2023Q4 | $4.45B | 222,061 |
Credit Union Details
- Charter Number
- 8333
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Maryland
- City
- LAUREL
- Data Quarter
- 2025Q4
Branch Locations (17)
Per its most recent NCUA branch filing, TOWER runs 17 offices in 14 different cities.
| Office | City |
|---|---|
| Laurel Headquarters (Main Office) | Laurel, MD |
| Annapolis | Annapolis, MD |
| National Business Park | Annapolis Junction, MD |
| Clarksville Branch | Clarksville, MD |
| Snowden Branch | Columbia, MD |
| Ellicott City | Ellicott City, MD |
| ECB2 | Fort Meade, MD |
| Burgin Branch | Ft Meade, MD |
| R&E Branch | Ft Meade, MD |
| Gambrills Branch | Gambrills, MD |
| Arundel Mills Branch | Hanover, MD |
| Laurel Branch | Laurel, MD |
| FANX Branch | Linthicum, MD |
| Millersville Branch | Millersville, MD |
| Owings Mills Branch | Owings Mills, MD |
| Pasadena Branch-Ritchie Hwy | Pasadena, MD |
| Magothy Beach Branch | Pasadena, 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.
TOWER nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- TOWER ranks #1,432 of 4,374 nationally on financial health and #15 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NASA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NASA
Frequently Asked Questions
Is TOWER financially healthy?
TOWER has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,432 of 4,374 nationally on health and #15 of 62 in Maryland. Its net worth ratio is 13.99% and its delinquency rate 0.45%.
How does TOWER compare to other credit unions?
TOWER scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.42% vs 83.90%).
How can I join TOWER?
TOWER serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact TOWER directly for the current list of qualifying groups.
Is my money safe at TOWER?
TOWER 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. TOWER's net worth ratio of 13.99% 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.