Side-by-side · Q2 2026 data
Tower Federal Credit Union vs Local 355 Md Federal Credit Union
Credit union
Local 355 Md Federal Credit Union
Baltimore, Maryland · Under $100 million in assets
Metric by metric
| Measure | Tower Federal Credit Union | Local 355 Md Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 54 |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 87 (stronger) | 0 |
| Earnings | 66 (stronger) | 0 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 92nd | 13th |
| Total assets | $5.0B | $5.8M |
| Deposits / shares | $4.3B | $4.6M |
| Capital ratio | 14.31% | 19.43% (stronger) |
| Problem loans | 0.39% (stronger) | 7.99% |
| Net charge-offs | 0.26% | 0.00% (stronger) |
| Return on assets | 1.16% (stronger) | -1.36% |
| Loans ÷ deposits | 88.0% | 8.7% (stronger) |
| Uninsured deposits | 13.2% | 0.0% (stronger) |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.4% | — |
Tower Federal Credit Union has the higher TellerScore (83 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Tower Federal Credit Union leads on 3 and Local 355 Md Federal Credit Union on 4. 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.