Credit Union Safety Analysis
Is Mount Jezreel Federal Credit Union Safe? Silver Spring, Maryland
Based on its Q2 2026 NCUA 5300 call report, Mount Jezreel Federal Credit Union has a net worth ratio of 20.14%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Mount Jezreel Federal Credit Union's net worth ratio is 20.14%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.14%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.26%
- Loan-to-share ratio (Q2 2026): 1.10%
Mount Jezreel Federal Credit Union (NCUA charter 24246, established 1986) reported $191K in assets and 155 members for Q2 2026 from Silver Spring, Maryland. It ranks 58 of 58 credit unions in Maryland by total assets. Total assets fell 17.2% from $230K on June 30, 2025. 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.
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: 18.17% for Q1 2026; 15.72% 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%.
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: -0.29% for Q1 2026; 1.41% 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: 1.41% for Q1 2026; 2.49% for Q2 2025.
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $191K | 20.14% | — | 0.26% | 1.10% |
| March 31, 2026 | $211K | 18.17% | — | -0.29% | 1.41% |
| December 31, 2025 | $229K | 15.36% | — | 0.00% | 2.45% |
| September 30, 2025 | $232K | 16.31% | — | 2.75% | 2.45% |
| June 30, 2025 | $230K | 15.72% | — | 1.41% | 2.49% |
| March 31, 2025 | $231K | 15.32% | — | 0.35% | 3.06% |
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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.
Mount Jezreel Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24246) · FFIEC NIC profile (RSSD 177890)
Frequently asked questions
Is Mount Jezreel Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mount Jezreel Federal Credit Union's net worth ratio is 20.14%, above the 7% NCUA threshold for well capitalized.
Is Mount Jezreel Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mount Jezreel Federal Credit Union is a federally insured credit union (NCUA charter 24246): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mount Jezreel Federal Credit Union's key safety ratios?
For Q2 2026, Mount Jezreel Federal Credit Union reports net worth 20.14%, delinquency not reported, ROA 0.26%, loan-to-share 1.10%.
What happens to my money if Mount Jezreel Federal Credit Union fails?
For Q2 2026, Mount Jezreel Federal Credit Union held $152K in shares and deposits for 155 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.