TellerScore

Bull Dog Federal Credit Union is a federal credit union headquartered in Hagerstown, Maryland, in business for about 58 years. At the end of Q2 2026 it reported $237.7M in total assets and $214.7M in member shares and deposits, with 6 offices.

Bull Dog Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 60 credit unions headquartered in Maryland, it ranks 23rd. Funding & liquidity contributes the most (100/100, 40% loans-to-deposits, 2% uninsured); loan quality contributes the least (56/100, 1.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.37%
Loan quality56/100
Loans 60+ days delinquent ÷ total loans: 1.31%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity100/100
Loans ÷ shares: 40.1% · 2.5% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.11%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (67 → 73), mostly because the capital cushion component improved by 14 points.

TellerScore
677277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202469
Q4 202469
Q1 202574
Q2 202567
Q3 202569
Q4 202571
Q1 202677
Q2 202673
Net worth ratio
7.00%9.68%12.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.46%
Q3 202410.81%
Q4 202411.23%
Q1 202510.83%
Q2 202511.00%
Q3 202511.58%
Q4 202512.01%
Q1 202611.87%
Q2 202612.37%
Delinquent loans (60+ days)
0.44%1.04%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.23%
Q3 20241.38%
Q4 20241.54%
Q1 20250.44%
Q2 20251.30%
Q3 20251.65%
Q4 20251.55%
Q1 20260.52%
Q2 20261.31%
Return on assets
0.77%1.07%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.37%
Q3 20241.31%
Q4 20241.22%
Q1 20250.77%
Q2 20250.91%
Q3 20251.20%
Q4 20251.29%
Q1 20260.91%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$237.7M12.37%1.31%1.07%40.1%
Q1 202677$241.5M11.87%0.52%0.91%40.2%
Q4 202571$234.2M12.01%1.55%1.29%40.8%
Q3 202569$235.2M11.58%1.65%1.20%40.2%
Q2 202567$238.0M11.00%1.30%0.91%38.3%
Q1 202574$235.9M10.83%0.44%0.77%37.9%
Q4 202469$223.5M11.23%1.54%1.22%39.4%
Q3 202469$227.5M10.81%1.38%1.31%39.1%
Q2 202470$228.9M10.46%1.23%1.37%38.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.37%
62nd
Problem loans1.31%
19th
Net charge-offs0.98%
10th
Return on assets1.07%
70th
Loans to deposits40.1%
96th
Uninsured deposits2.5%
87th
Loan-loss reserves0.00%
50th
Texas ratio4.1%
49th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Skypoint Federal Credit UnionCredit union Germantown, MD60 out of 100, Moderate$242.8M12.4%1.61%vs
U S Postal Service Federal Credit UnionCredit union Clinton, MD62 out of 100, Moderate$280.3M10.7%0.72%vs
Har-Co Credit UnionCredit union Bel Air, MD57 out of 100, Moderate$286.4M9.7%1.43%vs
Police Federal Credit UnionCredit union Upper Marlboro, MD67 out of 100, Moderate$175.9M14.3%1.33%vs
Act 1st Federal Credit UnionCredit union LaVale, MD51 out of 100, Below average$149.7M8.1%1.53%vs
Market USA Federal Credit UnionCredit union Laurel, MD76 out of 100, Strong$142.3M19.2%1.59%vs

Deposit insurance

Is my money safe at Bull Dog Federal Credit Union?

Yes. Bull Dog Federal Credit Union is a federally insured credit union (NCUA charter #18868). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.5% of shares and deposits ($5.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.37%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Bull Dog Federal Credit Union lists 6 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bull Dog Federal Credit Union
Type
Federal credit union
NCUA charter #
18868
RSSD ID
232388
Primary regulator
NCUA
Established
1968
Headquarters
580 Northern Ave, Hagerstown, MD 21742
Employees
51

Quick answers

Bull Dog Federal Credit Union: common questions

Is Bull Dog Federal Credit Union NCUA insured?

Yes. Bull Dog Federal Credit Union is a federally insured credit union (NCUA charter #18868). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Bull Dog Federal Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Bull Dog Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

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