Apl Federal Credit Union Laurel, Maryland
Apl Federal Credit Union is a federal credit union headquartered in Laurel, MD, established in 1954 (NCUA charter 9475), and it is regulated and insured by the NCUA. At Q2 2026 it reported 31,521 members and total assets of $723.6M (up 6.6% from Q2 2025), the 13th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 11.84% at Q2 2026, in the well capitalized band.
Also written as Apl 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
- 9475
- Headquarters
- Laurel, MD
- Established
- 1954
- Total assets, Q2 2026
- $723.6M
- Assets vs Q2 2025
- +6.6%
- Members, Q2 2026
- 31,521
- Net worth ratio, Q2 2026
- 11.84%
- Latest call report
- Q2 2026, NCUA 5300 · Apl Federal Credit Union call report
- Asset rank in state
- 13th of 58 in Maryland
- Routing number
- 255077998
- Branches
- 3
It has 757 more members than on June 30, 2025 (+2.5%). Its net worth ratio was up 0.37 percentage points from 11.47% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $249.4M of $485.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.49% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.84% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Maryland
Frequently asked about Apl Federal Credit Union
How big is Apl Federal Credit Union?
At Q2 2026 it reported total assets of $723.6M and 31,521 members.
Where is Apl Federal Credit Union headquartered?
It is headquartered in Laurel, MD, United States.
When was Apl Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is Apl Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9475): 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 Apl Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Apl Federal Credit Union well capitalized?
Its net worth ratio was 11.84% 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 Apl Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.49% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Apl Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 76.04% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Laurel, MD 20723
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 9475
- RSSD ID
- 18489
- Members
- 31,521
- Potential members
- 339,183
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B 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 13.58% | 11.84% | 11.43% | 55th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.89% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 16.42% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.75% | 3.70% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 54.86% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.30% | 1.24% | 45th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.49% | 0.68% | 67th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.05% | 4.92% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 76.04% | 75.66% | 51st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$723.6M total assets against $678.7M; $639.0M total shares and deposits against $604.4M; $485.9M total loans against $451.2M.
$83.2M net worth against $74.9M.
11.84% net worth ratio against 11.47%.
76.04% loan-to-share ratio against 74.65%.
0.49% delinquency ratio against 0.50%.
1.89% return on assets against 1.36%; 16.42% return on equity against 12.34%.
2.75% net interest margin against 2.56%.
31,521 members against 30,764.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.84% | 1.89% | 0.49% | 76.04% |
| March 31, 2026 | 11.54% | 0.38% | 0.49% | 74.12% |
| December 31, 2025 | 11.65% | 1.17% | 0.51% | 73.98% |
| September 30, 2025 | 11.59% | 1.33% | 0.48% | 75.60% |
| June 30, 2025 | 11.47% | 1.36% | 0.50% | 74.65% |
| March 31, 2025 | 11.36% | 0.27% | 0.46% | 75.93% |
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.