Municipal Empl.credit Union of Balt
Baltimore, MD · Charter 66787 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
$1.3BAssets
$800.9MLoans
$1.1BShares
$162.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 78% of credit unions $1B-$10B in assets (rank 95 of 435).
- Widest gap: nonperforming loans / loans trails 93% of credit unions $1B-$10B in assets (rank 404 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.28%
Rank 398 of 435
Net Interest Margin
3.69%
Rank 120 of 435
Efficiency Ratio
81.55%
Rank 378 of 435
Equity / Assets
12.84%
Rank 95 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.55% | 0.81% | 1.14% | Beats 9% | 398 / 435 | |
| Return on Equity | 2.16% | 5.12% | 7.41% | 9.70% | Beats 7% | 404 / 435 | |
| Net Interest Margin | 3.69% | 3.01% | 3.39% | 3.75% | Beats 72% | 120 / 435 | |
| Efficiency Ratio | 81.55% | 65.25% | 71.39% | 77.86% | Beats 13% | 378 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.66% | 0.45% | 0.69% | 1.05% | Beats 7% | 404 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.84% | 9.81% | 10.84% | 12.63% | Beats 78% | 95 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.84% | 9.81% | 10.84% | 12.63% | Beats 78% | 95 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 75.78% | 78.33% | 88.38% | 95.61% | 21st pctl | 342 / 435 | |
| Loans / Assets | 63.16% | 67.69% | 74.58% | 80.80% | 17th pctl | 362 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |