Side-by-side · Q2 2026 data
Lafayette Federal Credit Union vs Municipal Empl.Credit Union of Balt
Credit union
Lafayette Federal Credit Union
Rockville, Maryland · $1 billion – $10 billion
Credit union
Municipal Empl.Credit Union of Balt
Baltimore, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | Lafayette Federal Credit Union | Municipal Empl.Credit Union of Balt |
|---|---|---|
| TellerScore | 53 | 62 (stronger) |
| Capital cushion | 74 | 80 (stronger) |
| Loan quality | 22 | 45 (stronger) |
| Earnings | 24 | 31 (stronger) |
| Funding & liquidity | 85 (stronger) | 84 |
| Problem-loan coverage | 82 | 84 (stronger) |
| Peer percentile | 10th | 30th |
| Total assets | $2.1B | $1.3B |
| Deposits / shares | $1.8B | $1.1B |
| Capital ratio | 12.44% | 12.97% (stronger) |
| Problem loans | 2.33% | 1.66% (stronger) |
| Net charge-offs | 4.37% | 0.96% (stronger) |
| Return on assets | 0.11% | 0.28% (stronger) |
| Loans ÷ deposits | 54.2% (stronger) | 75.8% |
| Uninsured deposits | 28.3% | 8.3% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.7% | — |
Municipal Empl.Credit Union of Balt has the higher TellerScore (62 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Lafayette Federal Credit Union leads on 1 and Municipal Empl.Credit Union of Balt on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.