Side-by-side · Q2 2026 data
Point Breeze 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 | Point Breeze Credit Union | Municipal Empl.Credit Union of Balt |
|---|---|---|
| TellerScore | 78 (stronger) | 62 |
| Capital cushion | 90 (stronger) | 80 |
| Loan quality | 89 (stronger) | 45 |
| Earnings | 37 (stronger) | 31 |
| Funding & liquidity | 80 | 84 (stronger) |
| Problem-loan coverage | 97 (stronger) | 84 |
| Peer percentile | 84th | 30th |
| Total assets | $1.1B | $1.3B |
| Deposits / shares | $914.1M | $1.1B |
| Capital ratio | 14.02% (stronger) | 12.97% |
| Problem loans | 0.32% (stronger) | 1.66% |
| Net charge-offs | 0.18% (stronger) | 0.96% |
| Return on assets | 0.42% (stronger) | 0.28% |
| Loans ÷ deposits | 79.8% | 75.8% (stronger) |
| Uninsured deposits | 5.2% (stronger) | 8.3% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Point Breeze Credit Union has the higher TellerScore (78 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Point Breeze Credit Union leads on 6 and Municipal Empl.Credit Union of Balt on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.