Aberdeen Proving Ground Federal Credit Union Edgewood, Maryland
Aberdeen Proving Ground Federal Credit Union is a federal credit union headquartered in Edgewood, MD, established in 1938 (NCUA charter 2540), and it is regulated and insured by the NCUA. At Q2 2026 it reported 188,141 members and total assets of $2.69B (up 9.1% from Q2 2025), the 4th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 9.26% at Q2 2026, in the well capitalized band.
Also written as Aberdeen Proving Ground FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 2540
- Headquarters
- Edgewood, MD
- Established
- 1938
- Total assets, Q2 2026
- $2.69B
- Assets vs Q2 2025
- +9.1%
- Members, Q2 2026
- 188,141
- Net worth ratio, Q2 2026
- 9.26%
- Latest call report
- Q2 2026, NCUA 5300 · Aberdeen Proving Ground Federal Credit Union call report
- Asset rank in state
- 4th of 58 in Maryland
- Routing number
- 255075576
- Branches
- 18
It has 13,194 more members than on June 30, 2025 (+7.5%). Its net worth ratio was up 0.31 percentage points from 8.95% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $775.2M of $2.26B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.53% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.26% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in Maryland
Frequently asked about Aberdeen Proving Ground Federal Credit Union
How big is Aberdeen Proving Ground Federal Credit Union?
At Q2 2026 it reported total assets of $2.69B and 188,141 members.
Where is Aberdeen Proving Ground Federal Credit Union headquartered?
It is headquartered in Edgewood, MD, United States.
When was Aberdeen Proving Ground Federal Credit Union founded?
It was established in 1938, per NCUA records.
Is Aberdeen Proving Ground Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2540): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Aberdeen Proving Ground Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Aberdeen Proving Ground Federal Credit Union well capitalized?
Its net worth ratio was 9.26% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Aberdeen Proving Ground Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.53% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Aberdeen Proving Ground Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 94.54% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Edgewood, MD 21040
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 2540
- RSSD ID
- 798875
- Members
- 188,141
- Potential members
- 1,779,156
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.26% | 10.89% | 15th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.34% | 0.89% | 78th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 14.44% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.05% | 3.45% | 85th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 67.91% | 70.59% | 59th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.50% | 1.68% | 65th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.53% | 0.68% | 67th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.55% | 5.12% | 79th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 94.54% | 88.03% | 73rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.69B total assets against $2.47B; $2.39B total shares and deposits against $2.21B; $2.26B total loans against $2.06B.
$249.0M net worth against $220.8M.
9.26% net worth ratio against 8.95%.
94.54% loan-to-share ratio against 93.48%.
0.53% delinquency ratio against 0.76%.
1.34% return on assets against 0.68%; 14.44% return on equity against 7.56%.
4.05% net interest margin against 4.03%.
188,141 members against 174,947.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.26% | 1.34% | 0.53% | 94.54% |
| March 31, 2026 | 9.07% | 0.48% | 0.46% | 94.92% |
| December 31, 2025 | 9.08% | 0.53% | 0.70% | 93.59% |
| September 30, 2025 | 9.29% | 2.24% | 0.73% | 94.85% |
| June 30, 2025 | 8.95% | 0.68% | 0.76% | 93.48% |
| March 31, 2025 | 8.99% | 0.62% | 0.66% | 93.18% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.