TellerScore

Headquartered in Frederick, Maryland, Ferko Md Federal Credit Union is a federal credit union with $30.1M in total assets and $24.2M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1955.

Ferko Md Federal Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 2nd. Capital cushion contributes the most (100/100, 19.44%); loan quality contributes the least (81/100, 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.44%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings97/100
Return on assets (annualized): 1.93%
Funding & liquidity100/100
Loans ÷ shares: 45.3% · 0.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.09%

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 fell 2 points (96 → 94), mostly because the loan quality component weakened by 4 points.

TellerScore
929699Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202497
Q3 202498
Q4 202496
Q1 202599
Q2 202596
Q3 202596
Q4 202594
Q1 202692
Q2 202694
Net worth ratio
7.00%13.28%19.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.79%
Q3 202417.52%
Q4 202417.44%
Q1 202517.29%
Q2 202517.64%
Q3 202519.56%
Q4 202519.31%
Q1 202619.16%
Q2 202619.44%
Delinquent loans (60+ days)
0.09%0.50%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.09%
Q3 20240.11%
Q4 20240.09%
Q1 20250.09%
Q2 20250.45%
Q3 20250.44%
Q4 20250.58%
Q1 20260.92%
Q2 20260.58%
Return on assets
1.60%1.88%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.73%
Q3 20241.85%
Q4 20241.60%
Q1 20252.17%
Q2 20252.04%
Q3 20252.13%
Q4 20251.84%
Q1 20262.15%
Q2 20261.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$30.1M19.44%0.58%1.93%45.3%
Q1 202692$29.9M19.16%0.92%2.15%44.0%
Q4 202594$28.8M19.31%0.58%1.84%47.2%
Q3 202596$28.0M19.56%0.44%2.13%51.9%
Q2 202596$30.3M17.64%0.45%2.04%48.7%
Q1 202599$30.1M17.29%0.09%2.17%46.4%
Q4 202496$28.9M17.44%0.09%1.60%51.5%
Q3 202498$28.4M17.52%0.11%1.85%54.2%
Q2 202497$30.6M15.79%0.09%1.73%48.5%

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 ratio19.44%
75th
Problem loans0.58%
55th
Net charge-offs0.01%
67th
Return on assets1.93%
93rd
Loans to deposits45.3%
71st
Uninsured deposits0.1%
62nd
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
I B E W 26 Federal Credit UnionCredit union Lanham, MD57 out of 100, Moderate$29.9M7.6%0.75%vs
Post Office CU of Md, Inc. Credit UnionCredit union Baltimore, MD66 out of 100, Moderate$28.2M25.2%1.65%vs
None Suffer Lack Federal Credit UnionCredit union Suitland, MD99 out of 100, Very strong$27.9M20.1%0.12%vs
Howard County Education Federal Credit UnionCredit union Ellicott City, MD51 out of 100, Below average$25.0M11.1%2.76%vs
W S S C Federal Credit UnionCredit union Laurel, MD50 out of 100, Below average$35.4M10.1%1.95%vs
Thiokol Elkton Federal Credit UnionCredit union Elkton, MD83 out of 100, Strong$23.8M18.2%0.16%vs

Deposit insurance

Is my money safe at Ferko Md Federal Credit Union?

Yes. Ferko Md Federal Credit Union is a federally insured credit union (NCUA charter #10381). 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 0.1% of shares and deposits ($21K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 19.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Ferko Md Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ferko Md Federal Credit Union
Type
Federal credit union
NCUA charter #
10381
RSSD ID
175083
Primary regulator
NCUA
Established
1955
Headquarters
502 W Patrick St, Frederick, MD 21701
Employees
5

Quick answers

Ferko Md Federal Credit Union: common questions

Is Ferko Md Federal Credit Union NCUA insured?

Yes. Ferko Md Federal Credit Union is a federally insured credit union (NCUA charter #10381). 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 Ferko Md Federal Credit Union's TellerScore?

94 out of 100 (Very 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 Ferko Md Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Frederick

InstitutionScoreAssetsCapitalProblem loansCompare
Washington County Teachers Federal Credit UnionCredit union Hagerstown, MD92 out of 100, Very strong$96.5M15.3%0.15%vs
Tower Federal Credit UnionCredit union Laurel, MD83 out of 100, Strong$5.0B14.3%0.39%vs
First Financial of Maryland Federal Credit UnionCredit union Sparks, MD79 out of 100, Strong$1.4B16.7%0.54%vs
Point Breeze Credit UnionCredit union Hunt Valley, MD78 out of 100, Strong$1.1B14.0%0.32%vs
ACNB BankBank Gettysburg, PA77 out of 100, Strong$3.3B11.2%0.40%vs
Patriot Federal Credit UnionCredit union Chambersburg, PA76 out of 100, Strong$1.3B11.5%0.26%vs