Post Office Credit Union of Maryland Baltimore, Maryland
Post Office Credit Union of Maryland is a state-chartered credit union headquartered in Baltimore, MD, established in 1929 (NCUA charter 95742), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,228 members and total assets of $28.2M (up 1.6% from Q2 2025), the 44th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 25.20% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 95742
- Headquarters
- Baltimore, MD
- Established
- 1929
- Total assets, Q2 2026
- $28.2M
- Assets vs Q2 2025
- +1.6%
- Members, Q2 2026
- 3,228
- Net worth ratio, Q2 2026
- 25.20%
- Latest call report
- Q2 2026, NCUA 5300 · Post Office Credit Union of Maryland call report
- Asset rank in state
- 44th of 58 in Maryland
- Routing number
- 252076578
- Branches
- 1
It has 452 more members than on June 30, 2025 (+16.3%). Its net worth ratio was down 0.33 percentage points from 25.53% on June 30, 2025. Used vehicle loans are its largest loan category, $14.3M of $24.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.65% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 25.20% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Maryland
Frequently asked about Post Office Credit Union of Maryland
How big is Post Office Credit Union of Maryland?
At Q2 2026 it reported total assets of $28.2M and 3,228 members.
Where is Post Office Credit Union of Maryland headquartered?
It is headquartered in Baltimore, MD, United States.
When was Post Office Credit Union of Maryland founded?
It was established in 1929, per NCUA records.
Is Post Office Credit Union of Maryland FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 95742): 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 Post Office Credit Union of Maryland?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Post Office Credit Union of Maryland well capitalized?
Its net worth ratio was 25.20% 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 Post Office Credit Union of Maryland's delinquency ratio?
Its delinquency ratio was 1.65% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Post Office Credit Union of Maryland's loan-to-share ratio?
Its loan-to-share ratio was 115.01% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Baltimore, MD 21233
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1929
- NCUA Charter #
- 95742
- RSSD ID
- 220394
- Members
- 3,228
- Potential members
- 13,000
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 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 25.20% | 14.31% | 89th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.80% | 0.72% | 53rd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.16% | 4.74% | 39th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.55% | 3.93% | 75th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 84.28% | 79.83% | 41st below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.62% | 0.78% | 60th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.65% | 0.86% | 31st below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.17% | 4.70% | 69th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 115.01% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$28.2M total assets against $27.8M; $21.0M total shares and deposits against $20.6M; $24.2M total loans against $17.3M.
$7.1M net worth against $7.1M.
25.20% net worth ratio against 25.53%.
115.01% loan-to-share ratio against 83.95%.
1.65% delinquency ratio against 1.69%.
0.80% return on assets against 0.21%; 3.16% return on equity against 0.82%.
4.55% net interest margin against 4.27%.
3,228 members against 2,776.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 25.20% | 0.80% | 1.65% | 115.01% |
| March 31, 2026 | 24.11% | 0.22% | 1.43% | 108.38% |
| December 31, 2025 | 24.99% | -0.82% | 1.23% | 107.05% |
| September 30, 2025 | 25.53% | 0.00% | 1.69% | 83.95% |
| June 30, 2025 | 25.53% | 0.21% | 1.69% | 83.95% |
| March 31, 2025 | 25.15% | 0.19% | 1.98% | 72.93% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.