TellerScore

Headquartered in Rockville, Maryland, Capital Area Realtors Federal Credit Union is a federal credit union with $15.7M in total assets and $13.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1971.

Based on its Q2 2026 filing, Capital Area Realtors Federal Credit Union scores 50/100, which we describe as below average. That is higher than only 9% of 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 58th. Its strongest component is capital cushion (91/100; 14.10%), and its lowest is loan quality (0/100; 3.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion91/100
Net worth ratio: 14.10%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.89%
Earnings14/100
Return on assets (annualized): -0.15%
Funding & liquidity89/100
Loans ÷ shares: 69.1% · 17.2% uninsured
Problem-loan coverage67/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.32%

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 8 points (42 → 50), mostly because the earnings component weakened by 52 points.

TellerScore
354963Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202450
Q4 202435
Q1 202543
Q2 202542
Q3 202540
Q4 202541
Q1 202652
Q2 202650
Net worth ratio
7.00%10.55%14.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.92%
Q3 202410.96%
Q4 20249.11%
Q1 20259.56%
Q2 20259.82%
Q3 20258.75%
Q4 202510.27%
Q1 202613.93%
Q2 202614.10%
Delinquent loans (60+ days)
1.15%3.74%6.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.15%
Q3 20242.63%
Q4 20243.98%
Q1 20253.36%
Q2 20256.34%
Q3 20253.87%
Q4 20253.95%
Q1 20263.57%
Q2 20263.89%
Return on assets
-0.15%0.50%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.49%
Q4 2024-0.14%
Q1 20250.91%
Q2 20251.15%
Q3 20250.66%
Q4 20250.32%
Q1 20260.23%
Q2 2026-0.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$15.7M14.10%3.89%-0.15%69.1%
Q1 202652$16.1M13.93%3.57%0.23%74.3%
Q4 202541$21.7M10.27%3.95%0.32%65.3%
Q3 202540$26.2M8.75%3.87%0.66%55.6%
Q2 202542$23.4M9.82%6.34%1.15%71.4%
Q1 202543$23.9M9.56%3.36%0.91%69.5%
Q4 202435$24.5M9.11%3.98%-0.14%52.7%
Q3 202450$21.4M10.96%2.63%0.49%66.4%
Q2 202463$21.0M10.92%1.15%0.29%62.0%

2,479 peers · Under $100 million in assets

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 ratio14.10%
48th
Problem loans3.89%
9th
Net charge-offs1.34%
10th
Return on assets-0.15%
16th
Loans to deposits69.1%
35th
Uninsured deposits17.2%
2nd
Loan-loss reserves0.00%
37th
Texas ratio16.3%
6th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Hema Federal Credit UnionCredit union Silver Spring, MD60 out of 100, Moderate$16.7M9.8%0.58%vs
Mncppc Federal Credit UnionCredit union College Park, MD36 out of 100, Low$16.7M11.2%6.96%vs
Capital Area Taiwanese Federal Credit UnionCredit union Rockville, MD73 out of 100, Strong$12.6M11.2%0.00%vs
Bee Federal Credit UnionCredit union Salisbury, MD58 out of 100, Moderate$7.9M21.6%2.88%vs
Thiokol Elkton Federal Credit UnionCredit union Elkton, MD83 out of 100, Strong$23.8M18.2%0.16%vs
Howard County Education Federal Credit UnionCredit union Ellicott City, MD51 out of 100, Below average$25.0M11.1%2.76%vs

Deposit insurance

Is my money safe at Capital Area Realtors Federal Credit Union?

Yes. Capital Area Realtors Federal Credit Union is a federally insured credit union (NCUA charter #20543). 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 17.2% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Capital Area Realtors Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Capital Area Realtors Federal Credit Union
Type
Federal credit union
NCUA charter #
20543
RSSD ID
568283
Primary regulator
NCUA
Established
1971
Headquarters
P.O. Box 1573, Rockville, MD 20849
Employees
8

Quick answers

Capital Area Realtors Federal Credit Union: common questions

Is Capital Area Realtors Federal Credit Union NCUA insured?

Yes. Capital Area Realtors Federal Credit Union is a federally insured credit union (NCUA charter #20543). 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 Capital Area Realtors Federal Credit Union's TellerScore?

50 out of 100 (Below average), 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 Capital Area Realtors Federal Credit Union have?

1 office as of the latest NCUA data.

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