Credit Union Safety Analysis
Is Post Office Credit Union of Maryland Safe? Baltimore, Maryland
Based on its Q2 2026 NCUA 5300 call report, Post Office Credit Union of Maryland has a net worth ratio of 25.20%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.65%, 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, Post Office Credit Union of Maryland's net worth ratio is 25.20%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 25.20%
- Delinquency ratio (60+ days) (Q2 2026): 1.65%
- Return on assets (Q2 2026): 0.80%
- Loan-to-share ratio (Q2 2026): 115.01%
Post Office Credit Union of Maryland (NCUA charter 95742, established 1929) reported $28.2M in assets and 3,228 members for Q2 2026 from Baltimore, Maryland. It ranks 44 of 58 credit unions in Maryland by total assets. Total assets grew 1.6% from $27.8M on June 30, 2025. 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.
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: 24.11% for Q1 2026; 25.53% 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%.
Earlier filings: 1.43% for Q1 2026; 1.69% for Q2 2025.
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: 0.22% for Q1 2026; 0.21% 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: 108.38% for Q1 2026; 83.95% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $14.3M
- New vehicle loans: $6.6M
- Other unsecured loans and lines of credit: $3.2M
- Other secured non-real estate loans and lines of credit: $42K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $28.2M | 25.20% | 1.65% | 0.80% | 115.01% |
| March 31, 2026 | $29.3M | 24.11% | 1.43% | 0.22% | 108.38% |
| December 31, 2025 | $28.2M | 24.99% | 1.23% | -0.82% | 107.05% |
| September 30, 2025 | $27.8M | 25.53% | 1.69% | 0.00% | 83.95% |
| June 30, 2025 | $27.8M | 25.53% | 1.69% | 0.21% | 83.95% |
| March 31, 2025 | $28.1M | 25.15% | 1.98% | 0.19% | 72.93% |
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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.
Post Office Credit Union of Maryland profile
Regulator records: NCUA credit union profile (charter 95742) · FFIEC NIC profile (RSSD 220394)
Frequently asked questions
Is Post Office Credit Union of Maryland well capitalized?
On its Q2 2026 NCUA 5300 call report, Post Office Credit Union of Maryland's net worth ratio is 25.20%, above the 7% NCUA threshold for well capitalized.
Is Post Office Credit Union of Maryland FDIC insured?
No. The FDIC insures banks, not credit unions. Post Office Credit Union of Maryland is a federally insured credit union (NCUA charter 95742): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Post Office Credit Union of Maryland's key safety ratios?
For Q2 2026, Post Office Credit Union of Maryland reports net worth 25.20%, delinquency 1.65%, ROA 0.80%, loan-to-share 115.01%.
What happens to my money if Post Office Credit Union of Maryland fails?
For Q2 2026, Post Office Credit Union of Maryland held $21.0M in shares and deposits for 3,228 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.