Credit Union Safety Analysis
Is Nymeo Federal Credit Union Safe? Frederick, Maryland
Based on its Q2 2026 NCUA 5300 call report, Nymeo Federal Credit Union has a net worth ratio of 11.11%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.93%, 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, Nymeo Federal Credit Union's net worth ratio is 11.11%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.11%
- Delinquency ratio (60+ days) (Q2 2026): 0.93%
- Return on assets (Q2 2026): 0.69%
- Loan-to-share ratio (Q2 2026): 83.76%
Nymeo Federal Credit Union (NCUA charter 16408, established 1964) reported $409.1M in assets and 20,829 members for Q2 2026 from Frederick, Maryland. It ranks 22 of 58 credit unions in Maryland by total assets. Total assets grew 10.5% from $370.0M on June 30, 2025. It has 247 fewer members than on June 30, 2025 (-1.2%). Its net worth ratio was down 0.37 percentage points from 11.48% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $192.0M of $292.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.93% 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: 10.96% for Q1 2026; 11.48% 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: 1.07% 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: 0.82% for Q1 2026; 0.49% 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: 74.81% for Q1 2026; 83.98% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $192.0M
- Commercial loans: $31.5M
- Used vehicle loans: $26.4M
- Other unsecured loans and lines of credit: $19.8M
- Unsecured credit card loans: $9.5M
- New vehicle loans: $7.0M
- Other secured non-real estate loans and lines of credit: $3.6M
- Non-federally guaranteed student loans: $2.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $409.1M | 11.11% | 0.93% | 0.69% | 83.76% |
| March 31, 2026 | $408.5M | 10.96% | 1.07% | 0.82% | 74.81% |
| December 31, 2025 | $408.9M | 10.74% | 1.38% | 1.06% | 87.31% |
| September 30, 2025 | $389.8M | 11.06% | 1.62% | 0.67% | 83.50% |
| June 30, 2025 | $370.0M | 11.48% | 1.25% | 0.49% | 83.98% |
| March 31, 2025 | $369.2M | 11.38% | 1.45% | 0.81% | 78.77% |
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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.
Nymeo Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 16408) · FFIEC NIC profile (RSSD 940580)
Frequently asked questions
Is Nymeo Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Nymeo Federal Credit Union's net worth ratio is 11.11%, above the 7% NCUA threshold for well capitalized.
Is Nymeo Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Nymeo Federal Credit Union is a federally insured credit union (NCUA charter 16408): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Nymeo Federal Credit Union's key safety ratios?
For Q2 2026, Nymeo Federal Credit Union reports net worth 11.11%, delinquency 0.93%, ROA 0.69%, loan-to-share 83.76%.
What happens to my money if Nymeo Federal Credit Union fails?
For Q2 2026, Nymeo Federal Credit Union held $349.4M in shares and deposits for 20,829 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.