Credit Union Safety Analysis
Is Municipal Employees Credit Union of Baltimore, Inc Safe? Baltimore, Maryland
Based on its Q2 2026 NCUA 5300 call report, Municipal Employees Credit Union of Baltimore, Inc has a net worth ratio of 12.97%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.66%, 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, Municipal Employees Credit Union of Baltimore, Inc's net worth ratio is 12.97%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.97%
- Delinquency ratio (60+ days) (Q2 2026): 1.66%
- Return on assets (Q2 2026): 0.27%
- Loan-to-share ratio (Q2 2026): 75.78%
Municipal Employees Credit Union of Baltimore, Inc (NCUA charter 66787, established 1936) reported $1.27B in assets and 91,110 members for Q2 2026 from Baltimore, Maryland. It ranks 9 of 58 credit unions in Maryland by total assets. Total assets grew 1.0% from $1.26B on June 30, 2025. It has 5,280 fewer members than on June 30, 2025 (-5.5%). Its net worth ratio was up 0.26 percentage points from 12.71% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $338.0M of $800.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.66% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.93% for Q1 2026; 12.71% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.30% for Q1 2026; 1.59% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.29% for Q1 2026; 0.27% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 75.62% for Q1 2026; 76.72% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $338.0M
- Commercial loans: $181.5M
- Used vehicle loans: $162.0M
- Other unsecured loans and lines of credit: $42.2M
- New vehicle loans: $37.7M
- Unsecured credit card loans: $33.7M
- Other secured non-real estate loans and lines of credit: $5.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.27B | 12.97% | 1.66% | 0.27% | 75.78% |
| March 31, 2026 | $1.27B | 12.93% | 1.30% | 0.29% | 75.62% |
| December 31, 2025 | $1.25B | 12.93% | 1.73% | 0.50% | 78.15% |
| September 30, 2025 | $1.24B | 12.89% | 2.29% | 0.34% | 77.61% |
| June 30, 2025 | $1.26B | 12.71% | 1.59% | 0.27% | 76.72% |
| March 31, 2025 | $1.26B | 12.65% | 1.46% | 0.16% | 76.71% |
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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.
Municipal Employees Credit Union of Baltimore, Inc profile
Regulator records: NCUA credit union profile (charter 66787) · FFIEC NIC profile (RSSD 572794)
Frequently asked questions
Is Municipal Employees Credit Union of Baltimore, Inc well capitalized?
On its Q2 2026 NCUA 5300 call report, Municipal Employees Credit Union of Baltimore, Inc's net worth ratio is 12.97%, above the 7% NCUA threshold for well capitalized.
Is Municipal Employees Credit Union of Baltimore, Inc FDIC insured?
No. The FDIC insures banks, not credit unions. Municipal Employees Credit Union of Baltimore, Inc is a federally insured credit union (NCUA charter 66787): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Municipal Employees Credit Union of Baltimore, Inc's key safety ratios?
For Q2 2026, Municipal Employees Credit Union of Baltimore, Inc reports net worth 12.97%, delinquency 1.66%, ROA 0.27%, loan-to-share 75.78%.
What happens to my money if Municipal Employees Credit Union of Baltimore, Inc fails?
For Q2 2026, Municipal Employees Credit Union of Baltimore, Inc held $1.06B in shares and deposits for 91,110 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.