Side-by-side · Q2 2026 data
Lm Federal Credit Union vs Municipal Empl.Credit Union of Balt
Credit union
Municipal Empl.Credit Union of Balt
Baltimore, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | Lm Federal Credit Union | Municipal Empl.Credit Union of Balt |
|---|---|---|
| TellerScore | 83 (stronger) | 62 |
| Capital cushion | 74 | 80 (stronger) |
| Loan quality | 95 (stronger) | 45 |
| Earnings | 76 (stronger) | 31 |
| Funding & liquidity | 80 | 84 (stronger) |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 72nd | 30th |
| Total assets | $60.3M | $1.3B |
| Deposits / shares | $52.5M | $1.1B |
| Capital ratio | 12.40% | 12.97% (stronger) |
| Problem loans | 0.14% (stronger) | 1.66% |
| Net charge-offs | 0.07% (stronger) | 0.96% |
| Return on assets | 1.41% (stronger) | 0.28% |
| Loans ÷ deposits | 80.4% | 75.8% (stronger) |
| Uninsured deposits | 6.7% (stronger) | 8.3% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lm Federal Credit Union has the higher TellerScore (83 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Lm Federal Credit Union leads on 5 and Municipal Empl.Credit Union of Balt on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.