TellerScore

Fedchoice Federal Credit Union is a federal credit union headquartered in Lanham, Maryland, in business for about 91 years. At the end of Q2 2026 it reported $468.7M in total assets and $423.2M in member shares and deposits, with 3 offices across 3 states.

Based on its Q2 2026 filing, Fedchoice Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 26% of 1,341 credit unions with $100 million – $1 billion. Among 60 credit unions headquartered in Maryland, it ranks 41st. Its strongest component is problem-loan coverage (89/100; 5.3%), and its lowest is earnings (40/100; 0.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.42%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.65%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity84/100
Loans ÷ shares: 76.0% · 11.5% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.31%

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 (54 → 62), mostly because the loan quality component improved by 21 points.

TellerScore
505662Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202450
Q3 202450
Q4 202452
Q1 202554
Q2 202554
Q3 202556
Q4 202552
Q1 202655
Q2 202662
Net worth ratio
7.00%8.29%9.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.50%
Q3 20249.40%
Q4 20249.58%
Q1 20259.33%
Q2 20259.31%
Q3 20259.50%
Q4 20258.78%
Q1 20269.26%
Q2 20269.42%
Delinquent loans (60+ days)
0.65%1.32%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.98%
Q3 20241.89%
Q4 20241.82%
Q1 20251.51%
Q2 20251.28%
Q3 20251.23%
Q4 20251.26%
Q1 20261.23%
Q2 20260.65%
Return on assets
0.02%0.26%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.41%
Q3 20240.39%
Q4 20240.39%
Q1 20250.40%
Q2 20250.02%
Q3 20250.26%
Q4 20250.31%
Q1 20260.49%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$468.7M9.42%0.65%0.49%76.0%
Q1 202655$503.4M9.26%1.23%0.49%80.1%
Q4 202552$491.4M8.78%1.26%0.31%84.6%
Q3 202556$447.1M9.50%1.23%0.26%71.9%
Q2 202554$447.3M9.31%1.28%0.02%67.5%
Q1 202554$452.1M9.33%1.51%0.40%67.8%
Q4 202452$435.8M9.58%1.82%0.39%69.8%
Q3 202450$439.7M9.40%1.89%0.39%70.1%
Q2 202450$430.9M9.50%1.98%0.41%70.9%

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 ratio9.42%
19th
Problem loans0.65%
52nd
Net charge-offs1.36%
5th
Return on assets0.49%
30th
Loans to deposits76.0%
49th
Uninsured deposits11.5%
12th
Loan-loss reserves0.00%
50th
Texas ratio5.3%
36th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Mid-Atlantic Federal Credit UnionCredit union Germantown, MD66 out of 100, Moderate$443.4M11.0%0.72%vs
Chessie Federal Credit UnionCredit union Cumberland, MD83 out of 100, Strong$434.4M13.8%0.82%vs
Nymeo Federal Credit UnionCredit union Frederick, MD66 out of 100, Moderate$409.1M11.1%0.93%vs
Peake Federal Credit UnionCredit union Towson, MD67 out of 100, Moderate$534.2M8.6%0.18%vs
Wepco Federal Credit UnionCredit union Bloomington, MD86 out of 100, Very strong$399.3M15.5%0.98%vs
Freedom of Maryland Federal Credit UnionCredit union Bel Air, MD51 out of 100, Below average$557.4M8.7%1.55%vs

Deposit insurance

Is my money safe at Fedchoice Federal Credit Union?

Yes. Fedchoice Federal Credit Union is a federally insured credit union (NCUA charter #150). 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 11.5% of shares and deposits ($48.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.42%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Fedchoice Federal Credit Union lists 3 offices in 3 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fedchoice Federal Credit Union reported 206 home-loan applications under HMDA (LEI 549300AN5V81GRYDJ823): 99 originated ($11,575,000 total), 63 denied, and 37 withdrawn or closed by the applicant. Its denial rate on decided applications was 37.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Fedchoice Federal Credit Union
Type
Federal credit union
NCUA charter #
150
RSSD ID
75473
Primary regulator
NCUA
Established
1935
Headquarters
10001 Willowdale Road, Lanham, MD 20706
Employees
84

Quick answers

Fedchoice Federal Credit Union: common questions

Is Fedchoice Federal Credit Union NCUA insured?

Yes. Fedchoice Federal Credit Union is a federally insured credit union (NCUA charter #150). 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 Fedchoice Federal Credit Union's TellerScore?

62 out of 100 (Moderate), 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 Fedchoice Federal Credit Union have?

3 offices as of the latest NCUA data, in 3 states.