Bee Federal Credit Union Salisbury, Maryland
Bee Federal Credit Union is a federal credit union headquartered in Salisbury, MD, established in 1954 (NCUA charter 9893), and it is regulated and insured by the NCUA. At Q2 2026 it reported 996 members and total assets of $7.9M (up 0.1% from Q2 2025), the 51st largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 21.59% at Q2 2026, in the well capitalized band.
Also written as Bee FCU
BankRegReports is independent of Bee Federal Credit Union and never asks for online banking logins or passwords.
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
- 9893
- Headquarters
- Salisbury, MD
- Established
- 1954
- Total assets, Q2 2026
- $7.9M
- Assets vs Q2 2025
- +0.1%
- Members, Q2 2026
- 996
- Net worth ratio, Q2 2026
- 21.59%
- Latest call report
- Q2 2026, NCUA 5300 · Bee Federal Credit Union call report
- Asset rank in state
- 51st of 58 in Maryland
- Routing number
- 252177956
- Branches
- 1
It has 18 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 0.06 percentage points from 21.53% on June 30, 2025. Used vehicle loans are its largest loan category, $1.2M of $2.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.88% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 21.59% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Maryland
Frequently asked about Bee Federal Credit Union
How big is Bee Federal Credit Union?
At Q2 2026 it reported total assets of $7.9M and 996 members.
Where is Bee Federal Credit Union headquartered?
It is headquartered in Salisbury, MD, United States.
When was Bee Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is Bee Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9893): 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 Bee Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Bee Federal Credit Union well capitalized?
Its net worth ratio was 21.59% 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 Bee Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.88% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Bee Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 43.49% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Salisbury, MD 21804
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 9893
- RSSD ID
- 3588
- Members
- 996
- Potential members
- 2,750
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 21.59% | 14.31% | 80th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.12% | 0.72% | 24th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.58% | 4.74% | 24th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.93% | 3.93% | 50th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 78.93% | 79.83% | 52nd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.84% | 0.78% | 47th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.88% | 0.86% | 18th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.77% | 4.70% | 53rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 43.49% | 58.92% | 27th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$7.9M total assets against $7.9M; $6.2M total shares and deposits against $6.2M; $2.7M total loans against $3.0M.
$1.7M net worth against $1.7M.
21.59% net worth ratio against 21.53%.
43.49% loan-to-share ratio against 48.90%.
2.88% delinquency ratio against 3.27%.
0.12% return on assets against -0.06%; 0.58% return on equity against -0.26%.
3.93% net interest margin against 4.26%.
996 members against 1,014.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 21.59% | 0.12% | 2.88% | 43.49% |
| March 31, 2026 | 21.93% | -0.34% | 2.47% | 45.91% |
| December 31, 2025 | 22.16% | 1.53% | 2.77% | 48.53% |
| September 30, 2025 | 21.90% | -0.97% | 2.37% | 50.15% |
| June 30, 2025 | 21.53% | -0.06% | 3.27% | 48.90% |
| March 31, 2025 | 21.65% | 0.24% | 5.65% | 48.89% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.