Mount Jezreel Federal Credit Union Silver Spring, Maryland
Mount Jezreel Federal Credit Union is a federal credit union headquartered in Silver Spring, MD, established in 1986 (NCUA charter 24246), and it is regulated and insured by the NCUA. At Q2 2026 it reported 155 members and total assets of $191K (down 17.2% from Q2 2025), the 58th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 20.14% at Q2 2026, in the well capitalized band.
Also written as Mount Jezreel 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
- 24246
- Headquarters
- Silver Spring, MD
- Established
- 1986
- Total assets, Q2 2026
- $191K
- Assets vs Q2 2025
- -17.2%
- Members, Q2 2026
- 155
- Net worth ratio, Q2 2026
- 20.14%
- Latest call report
- Q2 2026, NCUA 5300 · Mount Jezreel Federal Credit Union call report
- Asset rank in state
- 58th of 58 in Maryland
- Routing number
- 055080305
- Branches
- 1
It has 29 fewer members than on June 30, 2025 (-15.8%). Its net worth ratio was up 4.42 percentage points from 15.72% on June 30, 2025.
Credit unions similar in size in Maryland
Frequently asked about Mount Jezreel Federal Credit Union
How big is Mount Jezreel Federal Credit Union?
At Q2 2026 it reported total assets of $191K and 155 members.
Where is Mount Jezreel Federal Credit Union headquartered?
It is headquartered in Silver Spring, MD, United States.
When was Mount Jezreel Federal Credit Union founded?
It was established in 1986, per NCUA records.
Is Mount Jezreel Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24246): 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 Mount Jezreel Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Mount Jezreel Federal Credit Union well capitalized?
Its net worth ratio was 20.14% 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 Mount Jezreel Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 1.10% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Silver Spring, MD 20901
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1986
- NCUA Charter #
- 24246
- RSSD ID
- 177890
- Members
- 155
- Potential members
- 600
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 3 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 20.14% | 14.31% | 77th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.26% | 0.72% | 29th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.27% | 4.74% | 27th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 2.61% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 1.10% | 58.92% | 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
$191K total assets against $230K; $152K total shares and deposits against $194K; $2K total loans against $5K.
$38K net worth against $36K.
20.14% net worth ratio against 15.72%.
1.10% loan-to-share ratio against 2.49%.
0.26% return on assets against 1.41%; 1.27% return on equity against 8.96%.
155 members against 184.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 20.14% | 0.26% | — | 1.10% |
| March 31, 2026 | 18.17% | -0.29% | — | 1.41% |
| December 31, 2025 | 15.36% | 0.00% | — | 2.45% |
| September 30, 2025 | 16.31% | 2.75% | — | 2.45% |
| June 30, 2025 | 15.72% | 1.41% | — | 2.49% |
| March 31, 2025 | 15.32% | 0.35% | — | 3.06% |
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.