Side-by-side · Q2 2026 data
Freedom of Maryland Federal Credit Union vs Mid-Atlantic Federal Credit Union
Credit union
Freedom of Maryland Federal Credit Union
Bel Air, Maryland · $100 million – $1 billion
Credit union
Mid-Atlantic Federal Credit Union
Germantown, Maryland · $100 million – $1 billion
Metric by metric
| Measure | Freedom of Maryland Federal Credit Union | Mid-Atlantic Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 66 (stronger) |
| Capital cushion | 37 | 60 (stronger) |
| Loan quality | 48 | 76 (stronger) |
| Earnings | 47 (stronger) | 40 |
| Funding & liquidity | 74 | 78 (stronger) |
| Problem-loan coverage | 73 | 91 (stronger) |
| Peer percentile | 7th | 37th |
| Total assets | $557.4M | $443.4M |
| Deposits / shares | $495.0M | $389.5M |
| Capital ratio | 8.66% | 10.98% (stronger) |
| Problem loans | 1.55% | 0.72% (stronger) |
| Net charge-offs | 0.55% | 0.06% (stronger) |
| Return on assets | 0.68% (stronger) | 0.50% |
| Loans ÷ deposits | 86.3% | 81.9% (stronger) |
| Uninsured deposits | 5.2% (stronger) | 15.6% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.6% | 42.1% |
Mid-Atlantic Federal Credit Union has the higher TellerScore (66 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Freedom of Maryland Federal Credit Union leads on 2 and Mid-Atlantic Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.