Credit Union Safety Analysis
Is Local 355 Maryland Federal Credit Union Safe? Baltimore, Maryland
Based on its Q2 2026 NCUA 5300 call report, Local 355 Maryland Federal Credit Union has a net worth ratio of 19.43%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 7.99%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Local 355 Maryland Federal Credit Union's net worth ratio is 19.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.43%
- Delinquency ratio (60+ days) (Q2 2026): 7.99%
- Return on assets (Q2 2026): -2.32%
- Loan-to-share ratio (Q2 2026): 8.73%
Local 355 Maryland Federal Credit Union (NCUA charter 14815, established 1962) reported $5.8M in assets and 1,404 members for Q2 2026 from Baltimore, Maryland. It ranks 52 of 58 credit unions in Maryland by total assets. Total assets grew 3.7% from $5.6M on June 30, 2025. It has 62 fewer members than on June 30, 2025 (-4.2%). Its net worth ratio was down 0.03 percentage points from 19.46% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $213K of $405K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 7.99% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 19.83% for Q1 2026; 19.46% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 13.65% for Q1 2026; 9.23% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.40% for Q1 2026; 1.97% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 10.13% for Q1 2026; 14.63% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $213K
- Used vehicle loans: $179K
- New vehicle loans: $11K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.8M | 19.43% | 7.99% | -2.32% | 8.73% |
| March 31, 2026 | $5.8M | 19.83% | 13.65% | -0.40% | 10.13% |
| December 31, 2025 | $5.7M | 19.41% | 13.68% | 1.71% | 12.48% |
| September 30, 2025 | $5.6M | 20.24% | 9.20% | 3.70% | 13.48% |
| June 30, 2025 | $5.6M | 19.46% | 9.23% | 1.97% | 14.63% |
| March 31, 2025 | $5.6M | 18.67% | 7.16% | -3.23% | 14.51% |
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Free to use. It shows Local 355 Maryland Federal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Local 355 Maryland Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14815) · FFIEC NIC profile (RSSD 841687)
Frequently asked questions
Is Local 355 Maryland Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Local 355 Maryland Federal Credit Union's net worth ratio is 19.43%, above the 7% NCUA threshold for well capitalized.
Is Local 355 Maryland Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Local 355 Maryland Federal Credit Union is a federally insured credit union (NCUA charter 14815): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Local 355 Maryland Federal Credit Union's key safety ratios?
For Q2 2026, Local 355 Maryland Federal Credit Union reports net worth 19.43%, delinquency 7.99%, ROA -2.32%, loan-to-share 8.73%.
What happens to my money if Local 355 Maryland Federal Credit Union fails?
For Q2 2026, Local 355 Maryland Federal Credit Union held $4.6M in shares and deposits for 1,404 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.