Freedom of Maryland
Bel Air, MD · Charter 8550 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$557.4MAssets
$427.1MLoans
$495.0MShares
$48.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 77% of credit unions under $1B in assets (rank 383 of 1683).
- Widest gap: equity / assets trails 92% of credit unions under $1B in assets (rank 1551 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.68%
Rank 907 of 1,683
Net Interest Margin
4.39%
Rank 383 of 1,683
Efficiency Ratio
80.11%
Rank 941 of 1,682
Equity / Assets
8.65%
Rank 1,551 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.35% | 0.74% | 1.18% | Beats 46% | 907 / 1,683 | |
| Return on Equity | 7.91% | 2.67% | 5.89% | 8.74% | Beats 69% | 524 / 1,681 | |
| Net Interest Margin | 4.39% | 3.31% | 3.82% | 4.32% | Beats 77% | 383 / 1,683 | |
| Efficiency Ratio | 80.11% | 68.91% | 78.20% | 86.93% | Beats 44% | 941 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.55% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,346 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.65% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,551 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.65% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,551 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 86.29% | 52.61% | 69.38% | 83.50% | 80th pctl | 337 / 1,683 | |
| Loans / Assets | 76.63% | 44.71% | 59.18% | 70.72% | 87th pctl | 226 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |