Lafayette Federal Credit Union Rockville, Maryland
Lafayette Federal Credit Union is a federal credit union headquartered in Rockville, MD, established in 1935 (NCUA charter 619), and it is regulated and insured by the NCUA. At Q2 2026 it reported 56,729 members and total assets of $2.08B (up 3.4% from Q2 2025), the 6th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 12.44% at Q2 2026, in the well capitalized band.
Also written as Lafayette FCU
BankRegReports is independent of Lafayette 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
- 619
- Headquarters
- Rockville, MD
- Established
- 1935
- Total assets, Q2 2026
- $2.08B
- Assets vs Q2 2025
- +3.4%
- Members, Q2 2026
- 56,729
- Net worth ratio, Q2 2026
- 12.44%
- Latest call report
- Q2 2026, NCUA 5300 · Lafayette Federal Credit Union call report
- Asset rank in state
- 6th of 58 in Maryland
- Routing number
- 254074811
- Branches
- 12
It has 1,124 fewer members than on June 30, 2025 (-1.9%). Its net worth ratio was down 0.66 percentage points from 13.10% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $666.7M of $976.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.33% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.44% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Maryland
Credit unions merged into Lafayette Federal Credit Union
Frequently asked about Lafayette Federal Credit Union
How big is Lafayette Federal Credit Union?
At Q2 2026 it reported total assets of $2.08B and 56,729 members.
Where is Lafayette Federal Credit Union headquartered?
It is headquartered in Rockville, MD, United States.
When was Lafayette Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Lafayette Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 619): 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 Lafayette Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Lafayette Federal Credit Union well capitalized?
Its net worth ratio was 12.44% 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 Lafayette Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.33% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Lafayette Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 54.20% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Rockville, MD 20852
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 619
- RSSD ID
- 792976
- Members
- 56,729
- Potential members
- 2,000,000
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 0 of 7 ranked measures and in the bottom quartile on 6.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.44% | 10.89% | 72nd above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.08% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 0.65% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 1.64% | 3.45% | under 10th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 79.91% | 70.59% | 17th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 3.18% | 1.68% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 2.33% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.81% | 5.12% | 31st position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 54.20% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.08B total assets against $2.01B; $1.80B total shares and deposits against $1.74B; $976.0M total loans against $1.52B.
$258.6M net worth against $265.6M.
12.44% net worth ratio against 13.10%.
54.20% loan-to-share ratio against 87.48%.
2.33% delinquency ratio against 1.90%.
0.08% return on assets against 0.13%; 0.65% return on equity against 1.02%.
1.64% net interest margin against 3.40%.
56,729 members against 57,853.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.44% | 0.08% | 2.33% | 54.20% |
| March 31, 2026 | 12.16% | 0.13% | 3.07% | 50.47% |
| December 31, 2025 | 12.04% | 0.68% | 2.66% | 81.17% |
| September 30, 2025 | 12.59% | 1.38% | 1.93% | 81.21% |
| June 30, 2025 | 13.10% | 0.13% | 1.90% | 87.48% |
| March 31, 2025 | 13.06% | 0.09% | 1.59% | 91.36% |
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.