Credit Union Safety Analysis
Is Mid-Atlantic Federal Credit Union Safe? Germantown, Maryland
Based on its Q2 2026 NCUA 5300 call report, Mid-Atlantic Federal Credit Union has a net worth ratio of 10.98%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.72%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Mid-Atlantic Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Mid-Atlantic Federal Credit Union's net worth ratio is 10.98%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.98%
- Delinquency ratio (60+ days) (Q2 2026): 0.72%
- Return on assets (Q2 2026): 0.38%
- Loan-to-share ratio (Q2 2026): 81.89%
Mid-Atlantic Federal Credit Union (NCUA charter 18716, established 1968) reported $443.4M in assets and 17,595 members for Q2 2026 from Germantown, Maryland. It ranks 20 of 58 credit unions in Maryland by total assets. Total assets grew 0.3% from $442.2M on June 30, 2025. It has 420 fewer members than on June 30, 2025 (-2.3%). Its net worth ratio was up 0.31 percentage points from 10.67% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $229.3M of $319.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.72% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.89% for Q1 2026; 10.67% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.69% for Q1 2026; 1.25% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.63% for Q1 2026; 0.67% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 79.62% for Q1 2026; 80.29% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $229.3M
- Commercial loans: $58.1M
- Used vehicle loans: $10.3M
- Unsecured credit card loans: $6.4M
- New vehicle loans: $6.1M
- Other unsecured loans and lines of credit: $5.9M
- Non-federally guaranteed student loans: $1.8M
- Other secured non-real estate loans and lines of credit: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $443.4M | 10.98% | 0.72% | 0.38% | 81.89% |
| March 31, 2026 | $448.4M | 10.89% | 0.69% | 0.63% | 79.62% |
| December 31, 2025 | $439.8M | 10.80% | 1.01% | 0.31% | 80.73% |
| September 30, 2025 | $439.5M | 10.75% | 1.01% | 0.72% | 80.36% |
| June 30, 2025 | $442.2M | 10.67% | 1.25% | 0.67% | 80.29% |
| March 31, 2025 | $442.1M | 10.60% | 0.99% | 0.66% | 79.94% |
Add this badge to your website
Free to use. It shows Mid-Atlantic 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.
Mid-Atlantic Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18716) · FFIEC NIC profile (RSSD 767787)
Frequently asked questions
Is Mid-Atlantic Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mid-Atlantic Federal Credit Union's net worth ratio is 10.98%, above the 7% NCUA threshold for well capitalized.
Is Mid-Atlantic Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mid-Atlantic Federal Credit Union is a federally insured credit union (NCUA charter 18716): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mid-Atlantic Federal Credit Union's key safety ratios?
For Q2 2026, Mid-Atlantic Federal Credit Union reports net worth 10.98%, delinquency 0.72%, ROA 0.38%, loan-to-share 81.89%.
What happens to my money if Mid-Atlantic Federal Credit Union fails?
For Q2 2026, Mid-Atlantic Federal Credit Union held $389.5M in shares and deposits for 17,595 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.