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Credit unions in Maryland: the best and largest of 60, compared
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All 60 filers based in Maryland, largest first. Sort them by what matters to you.
Credit unions by state, from the federal filings
Maryland: credit unions that match
60
| Their members | 2.16M |
| Their assets | $40.1B |
| First on this sort | State Employees CU of Maryland, Inc. |
| Credit union | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|
| State Employees CU of Maryland, Inc. (SECU Credit Union)Linthicum | $5.83B | 274K | 10.43% | 0.86% | 24 | 4/5 |
| NASA Federal Credit UnionUpper Marlboro | $5.80B | 239K | 10.49% | 0.53% | 13 | 4/5 |
| Tower Federal Credit UnionLaurel | $5.00B | 222K | 14.31% | 0.39% | 17 | 4/5 |
| Aberdeen Proving Ground Federal Credit UnionEdgewood | $2.69B | 188K | 9.26% | 0.53% | 18 | 5/5 |
| Andrews Federal Credit UnionSuitland | $2.69B | 162K | 10.62% | 1.51% | 17 | 4/5 |
| Lafayette Federal Credit UnionRockville | $2.08B | 57K | 12.44% | 2.33% | 12 | 3/5 |
| First Financial of Maryland Federal Credit UnionSparks | $1.43B | 81K | 16.73% | 0.54% | 10 | 5/5 |
| Educational Systems Federal Credit UnionGreenbelt | $1.40B | 84K | 10.79% | 0.52% | 13 | 4/5 |
| Municipal Empl. Credit Union of Balt (MECU of Baltimore, Inc.)Baltimore | $1.27B | 91K | 12.97% | 1.66% | 9 | 3/5 |
| Point Breeze Credit UnionHunt Valley | $1.06B | 73K | 14.02% | 0.32% | 5 | 5/5 |
NCUA Call Report, June 30, 2026. Delinquency: loans two or more months late, as a share of loans. Checks: our own five data checks, not an NCUA rating; membership rules are not in this file, so confirm them with the credit union. Everything you enter stays in this browser: nothing is sent or stored.
60 credit unions based in Maryland filed 2.16M members and $40.1B in assets with the National Credit Union Administration for June 30, 2026. Maryland’s leaders sit nearly level: State Employees CU of Maryland, Inc., NASA Federal Credit Union and Tower Federal Credit Union are almost the same size, in Linthicum, Upper Marlboro and Laurel. 10 filers report $1 billion or more, and none of the 60 reports a net worth ratio under 7%. Combined net worth, 11.59%, sits near the national 11.42%. Loans two months late or worse come to 0.80%, close to the national 0.96%. 1 of these filers carry no federal share insurance. Credit cards count for more than usual, 4.0% of loans, led by SkyPoint Federal Credit Union at 8.3%. Each employee on file works out at 401 members, the 9th highest count. First-lien home loans are 41.4% of lending, the 10th highest share, and State Employees CU of Maryland, Inc. reaches 61.5%. Offices by city: Baltimore (34), Rockville (14), Hagerstown (10), Silver Spring (10), out of 101 places in 20 counties. Gone since last year: Central CU of Maryland, in ($43M), Cecil County School Employees FCU ($26M), Members First of Maryland FCU ($22M). Latest charter: None Suffer Lack Federal Credit Union, 2001. The file does not say who may join any of them, or why a charter stopped filing.
One state at a glance
Maryland: credit unions based here
60
| Members | 2.16M |
| Assets | $40.1B |
| Net worth ratio | 11.59% |
| Delinquency | 0.80% |
| Offices in the state | 283 |
Filings read by Radif Partners · Editorial policy · Method and sources
Three leaders of the same size
One filer is not federally insured, which the table flags. Navy Federal runs 25 offices in Maryland, and 16 outside credit unions run 45 in all, so the map holds more names than the list of Maryland-based filers. Eleven carry the minority depository flag. Delinquency is below the national rate at 0.80%.
Highest net worth (over $100 million): Market USA FCU, 19.16%. Fewest late loans: Peake FCU, 0.18%. State Employees CU of Maryland, Inc. leads on members, 274K, and branches, 24. Largest member change: Andrews FCU, +11.03%. Next by assets: Aberdeen Proving Ground FCU, Andrews FCU, Lafayette FCU, First Financial of Maryland FCU, Educational Systems FCU, Municipal Empl. CU of Balt. Smallest: Mt. Jezreel FCU, Korean Catholic FCU, Choptank Electric Coop Employ FCU. Without federal insurance: Post Office CU of MD, Inc.. Minority depository flag: Andrews FCU, Municipal Empl. CU of Balt, Securityplus FCU, Prince George's Community FCU and 7 more. Largest outside presence: Navy FCU, from VA, 25 offices.
Wepco FCU (73.3%) leans most on vehicle loans, State Employees CU of Maryland, Inc. (61.5%) on first-lien home loans, SkyPoint FCU (8.3%) on cards. Oldest charters: U S Postal Service FCU, 1934; Lafayette FCU, 1935; Point Breeze CU, 1935. Signal Financial FCU lost the most members in percentage terms, -19.66%, among those over $10 million.
Rank among the 50 states and DC
| Measure | Maryland | Rank | All filers |
|---|---|---|---|
| Vehicle loans, share of loans | 25.0% | 16th lowest | 27.5% |
| First-lien home loans, share of loans | 41.4% | 10th highest | 36.6% |
| Credit cards, share of loans | 4.0% | 7th highest | 4.9% |
| Commercial loans without real estate, share of loans | 0.4% | 9th lowest | 0.8% |
| Loans as a share of shares and deposits | 83.6% | 22nd highest | |
| Assets per member | $18,577 | 15th highest | |
| Members per reported branch | 7,004 | 12th highest | |
| Members per employee (full- and part-time) | 401 | 9th highest | |
| Filers with one branch or none | 30.0% | 16th lowest | |
| Three largest names, share of assets | 41.5% | 17th lowest | |
| Fall in filer count over 12 months | 4.8% | 14th highest | |
| Median year a charter opened | 1953 | 19th lowest |
The largest in Maryland
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| State Employees CU of Maryland, Inc. (SECU Credit Union) | Linthicum | $5.83B | 274K | 10.43% | 0.86% | 24 | 4/5 |
| NASA Federal Credit Union | Upper Marlboro | $5.80B | 239K | 10.49% | 0.53% | 13 | 4/5 |
| Tower Federal Credit Union | Laurel | $5.00B | 222K | 14.31% | 0.39% | 17 | 4/5 |
| Aberdeen Proving Ground Federal Credit Union | Edgewood | $2.69B | 188K | 9.26% | 0.53% | 18 | 5/5 |
| Andrews Federal Credit Union | Suitland | $2.69B | 162K | 10.62% | 1.51% | 17 | 4/5 |
| Lafayette Federal Credit Union | Rockville | $2.08B | 57K | 12.44% | 2.33% | 12 | 3/5 |
| First Financial of Maryland Federal Credit Union | Sparks | $1.43B | 81K | 16.73% | 0.54% | 10 | 5/5 |
| Educational Systems Federal Credit Union | Greenbelt | $1.40B | 84K | 10.79% | 0.52% | 13 | 4/5 |
| Municipal Empl. Credit Union of Balt (MECU of Baltimore, Inc.) | Baltimore | $1.27B | 91K | 12.97% | 1.66% | 9 | 3/5 |
| Point Breeze Credit Union | Hunt Valley | $1.06B | 73K | 14.02% | 0.32% | 5 | 5/5 |
| Cedar Point Federal Credit Union | Lexington Park | $906M | 48K | 9.26% | 0.45% | 6 | 5/5 |
| National Institutes of Health Federal Credit Union (NIH Federal Credit Union) | Rockville | $817M | 40K | 7.94% | 0.68% | 7 | 4/5 |
| APL Federal Credit Union | Laurel | $724M | 32K | 11.84% | 0.49% | 3 | 5/5 |
| First Peoples Community Federal Credit Union | Cumberland | $666M | 35K | 13.61% | 0.53% | 20 | 5/5 |
| Johns Hopkins Federal Credit Union | Baltimore | $637M | 46K | 12.70% | 0.65% | 4 | 5/5 |
| Securityplus Federal Credit Union | Baltimore | $597M | 36K | 10.35% | 1.45% | 5 | 4/5 |
| Freedom of Maryland Federal Credit Union (Freedom Federal Credit Union) | Bel Air | $557M | 43K | 8.66% | 1.55% | 8 | 3/5 |
| Peake Federal Credit Union | Towson | $534M | 29K | 8.64% | 0.18% | 3 | 4/5 |
| FedChoice Federal Credit Union | Lanham | $469M | 26K | 9.42% | 0.65% | 5 | 5/5 |
| Mid-Atlantic Federal Credit Union | Germantown | $443M | 18K | 10.98% | 0.72% | 4 | 3/5 |
| Chessie Federal Credit Union | Cumberland | $434M | 33K | 13.83% | 0.82% | 11 | 3/5 |
| NYMEO Federal Credit Union | Frederick | $409M | 21K | 11.11% | 0.93% | 3 | 3/5 |
| Wepco Federal Credit Union | Bloomington | $399M | 43K | 15.46% | 0.98% | 8 | 4/5 |
| Signal Financial Federal Credit Union (SF Investment and Retirement Svc) | Kensington | $364M | 18K | 9.34% | 0.53% | 4 | 3/5 |
| Prince George's Community Federal Credit Union (Prince George's Credit Union) | Bowie | $337M | 20K | 13.53% | 0.84% | 5 | 3/5 |
Offices run from other states
| Credit union | Based in | Offices here | Total assets | Net worth |
|---|---|---|---|---|
| Navy Federal Credit Union | VA | 25 | $204.4B | 11.65% |
| Patriot Federal Credit Union | PA | 3 | $1.34B | 11.49% |
| Northrop Grumman Federal Credit Union | CA | 3 | $1.65B | 9.08% |
| Dept of Labor Federal Credit Union | DC | 2 | $138M | 7.82% |
| Treasury Department Federal Credit Union | DC | 1 | $177M | 10.33% |
| Pentagon Federal Credit Union | VA | 1 | $29.2B | 10.72% |
| Library of Congress Federal Credit Union | DC | 1 | $338M | 16.65% |
| Democracy Federal Credit Union | VA | 1 | $188M | 6.59% |
| Dexsta Federal Credit Union | DE | 1 | $432M | 9.22% |
| Spectra Federal Credit Union | VA | 1 | $544M | 8.67% |
| Northwest Federal Credit Union | VA | 1 | $4.56B | 11.84% |
| Self Reliance Financial Federal Credit Union | NY | 1 | $2.04B | 17.16% |
In figures
| Measure | Maryland | Federally insured, US |
|---|---|---|
| Credit unions | 60 | 4,214 |
| Members | 2.16M | 146.11M |
| Assets | $40.1B | $2.50T |
| Net worth ratio | 11.59% | 11.42% |
| Delinquency | 0.80% | 0.96% |
| Same-charter members, 12 months | +1.15% | n/a |
| Same-charter assets, 12 months | +4.83% | n/a |
| Filers a year earlier | 63 | n/a |
| Federal charters | 54 | 2,649 |
| State charters | 6 | 1,650 |
| Minority depository flag | 11 | 454 |
Who can join
We read these rules on the credit union’s own page. Andrews Federal Credit Union: Aged 18 or more and meeting its criteria. The American Consumer Council route gives immediate eligibility, free, according to the page. (andrewsfcu.org/membership, read on November 2, 2026) For every other name on this list, membership is not verified: confirm with the credit union. How to join sets out the steps.