Local 355 MD
Baltimore, MD · Charter 14815 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$5.8MAssets
$405KLoans
$4.6MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of credit unions under $1B in assets (rank 247 of 1683).
- Widest gap: efficiency ratio trails 100% of credit unions under $1B in assets (rank 1676 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-1.35%
Rank 1,630 of 1,683
Net Interest Margin
0.90%
Rank 1,682 of 1,683
Efficiency Ratio
248%
Rank 1,676 of 1,682
Equity / Assets
19.43%
Rank 247 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.35% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,630 / 1,683 | |
| Return on Equity | -6.97% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,606 / 1,681 | |
| Net Interest Margin | 0.90% | 3.31% | 3.82% | 4.32% | Beats 0% | 1,682 / 1,683 | |
| Efficiency Ratio | 248% | 68.91% | 78.20% | 86.93% | Beats 0% | 1,676 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 7.90% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,665 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.43% | 10.44% | 12.89% | 16.53% | Beats 85% | 247 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.43% | 10.44% | 12.89% | 16.53% | Beats 85% | 247 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 8.73% | 52.61% | 69.38% | 83.50% | 0th pctl | 1,676 / 1,683 | |
| Loans / Assets | 7.03% | 44.71% | 59.18% | 70.72% | 0th pctl | 1,675 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |