TellerScore

Fedfinancial Federal Credit Union is a federal credit union headquartered in Silver Spring, Maryland, in business for about 91 years. At the end of Q2 2026 it reported $76.8M in total assets and $69.3M in member shares and deposits, with 1 office.

Fedfinancial Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 39th. Funding & liquidity contributes the most (100/100, 32% loans-to-deposits, 13% uninsured); earnings contributes the least (39/100, 0.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 8.96%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.82%
Earnings39/100
Return on assets (annualized): 0.48%
Funding & liquidity100/100
Loans ÷ shares: 32.4% · 12.9% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.69%

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 4 points (59 → 63), mostly because the earnings component improved by 15 points.

TellerScore
535863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202455
Q4 202453
Q1 202556
Q2 202559
Q3 202561
Q4 202557
Q1 202653
Q2 202663
Net worth ratio
7.00%7.98%8.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.32%
Q3 20248.67%
Q4 20248.60%
Q1 20258.27%
Q2 20258.36%
Q3 20258.62%
Q4 20258.74%
Q1 20268.70%
Q2 20268.96%
Delinquent loans (60+ days)
0.35%1.00%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20241.23%
Q4 20241.44%
Q1 20250.85%
Q2 20250.73%
Q3 20250.58%
Q4 20251.12%
Q1 20261.64%
Q2 20260.82%
Return on assets
-0.04%0.22%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.09%
Q4 20240.10%
Q1 2025-0.04%
Q2 20250.11%
Q3 20250.19%
Q4 20250.30%
Q1 20260.33%
Q2 20260.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$76.8M8.96%0.82%0.48%32.4%
Q1 202653$77.7M8.70%1.64%0.33%32.5%
Q4 202557$76.6M8.74%1.12%0.30%34.4%
Q3 202561$76.5M8.62%0.58%0.19%33.3%
Q2 202559$78.0M8.36%0.73%0.11%32.0%
Q1 202556$78.3M8.27%0.85%-0.04%32.6%
Q4 202453$75.4M8.60%1.44%0.10%34.8%
Q3 202455$74.8M8.67%1.23%0.09%35.9%
Q2 202462$78.3M8.32%0.35%0.19%35.0%

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 ratio8.96%
9th
Problem loans0.82%
45th
Net charge-offs0.51%
26th
Return on assets0.48%
41st
Loans to deposits32.4%
86th
Uninsured deposits12.9%
4th
Loan-loss reserves0.00%
37th
Texas ratio2.7%
45th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Destinations Credit UnionCredit union Baltimore, MD79 out of 100, Strong$65.4M13.8%0.48%vs
Five Star of Maryland Federal Credit UnionCredit union Baltimore, MD78 out of 100, Strong$62.7M12.7%0.20%vs
Lm Federal Credit UnionCredit union Baltimore, MD83 out of 100, Strong$60.3M12.4%0.14%vs
Transit Employees Federal Credit UnionCredit union Greenbelt, MD72 out of 100, Strong$93.4M19.4%1.21%vs
Washington County Teachers Federal Credit UnionCredit union Hagerstown, MD92 out of 100, Very strong$96.5M15.3%0.15%vs
Census Federal Credit UnionCredit union Suitland, MD90 out of 100, Very strong$48.9M20.6%0.38%vs

Deposit insurance

Is my money safe at Fedfinancial Federal Credit Union?

Yes. Fedfinancial Federal Credit Union is a federally insured credit union (NCUA charter #216). 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 12.9% of shares and deposits ($8.9M) 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 8.96%, slightly 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

Fedfinancial Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fedfinancial Federal Credit Union
Type
Federal credit union
NCUA charter #
216
RSSD ID
544474
Primary regulator
NCUA
Established
1935
Headquarters
10903 New Hampshire Avenue Bldg 2, Silver Spring, MD 20903
Employees
10

Quick answers

Fedfinancial Federal Credit Union: common questions

Is Fedfinancial Federal Credit Union NCUA insured?

Yes. Fedfinancial Federal Credit Union is a federally insured credit union (NCUA charter #216). 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 Fedfinancial Federal Credit Union's TellerScore?

63 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 Fedfinancial Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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