TellerScore

Headquartered in Baltimore, Maryland, Five Star of Maryland Federal Credit Union is a federal credit union with $62.7M in total assets and $54.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1969.

Based on its Q2 2026 filing, Five Star of Maryland Federal Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 17th. Its strongest component is funding & liquidity (100/100; 44% loans-to-deposits, 2% uninsured), and its lowest is earnings (34/100; 0.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.65%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings34/100
Return on assets (annualized): 0.34%
Funding & liquidity100/100
Loans ÷ shares: 44.0% · 2.1% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.60%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 78).

TellerScore
707579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202476
Q4 202470
Q1 202576
Q2 202577
Q3 202579
Q4 202579
Q1 202679
Q2 202678
Net worth ratio
7.00%9.88%12.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.24%
Q3 202412.73%
Q4 202411.91%
Q1 202512.07%
Q2 202512.36%
Q3 202512.62%
Q4 202512.75%
Q1 202612.68%
Q2 202612.65%
Delinquent loans (60+ days)
0.07%0.36%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.09%
Q3 20240.24%
Q4 20240.65%
Q1 20250.21%
Q2 20250.15%
Q3 20250.07%
Q4 20250.13%
Q1 20260.09%
Q2 20260.20%
Return on assets
0.08%0.22%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.08%
Q3 20240.18%
Q4 20240.19%
Q1 20250.31%
Q2 20250.26%
Q3 20250.26%
Q4 20250.27%
Q1 20260.36%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$62.7M12.65%0.20%0.34%44.0%
Q1 202679$62.2M12.68%0.09%0.36%45.5%
Q4 202579$61.4M12.75%0.13%0.27%46.5%
Q3 202579$61.7M12.62%0.07%0.26%45.0%
Q2 202577$62.7M12.36%0.15%0.26%45.4%
Q1 202576$63.9M12.07%0.21%0.31%46.5%
Q4 202470$64.4M11.91%0.65%0.19%48.3%
Q3 202476$55.8M12.73%0.24%0.18%52.8%
Q2 202475$57.6M12.24%0.09%0.08%51.6%

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 ratio12.65%
37th
Problem loans0.20%
74th
Net charge-offs-0.14%
95th
Return on assets0.34%
33rd
Loans to deposits44.0%
73rd
Uninsured deposits2.1%
43rd
Loan-loss reserves0.00%
37th
Texas ratio0.6%
73rd

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Lm Federal Credit UnionCredit union Baltimore, MD83 out of 100, Strong$60.3M12.4%0.14%vs
Destinations Credit UnionCredit union Baltimore, MD79 out of 100, Strong$65.4M13.8%0.48%vs
Census Federal Credit UnionCredit union Suitland, MD90 out of 100, Very strong$48.9M20.6%0.38%vs
Fedfinancial Federal Credit UnionCredit union Silver Spring, MD63 out of 100, Moderate$76.8M9.0%0.82%vs
W S S C Federal Credit UnionCredit union Laurel, MD50 out of 100, Below average$35.4M10.1%1.95%vs
Transit Employees Federal Credit UnionCredit union Greenbelt, MD72 out of 100, Strong$93.4M19.4%1.21%vs

Deposit insurance

Is my money safe at Five Star of Maryland Federal Credit Union?

Yes. Five Star of Maryland Federal Credit Union is a federally insured credit union (NCUA charter #19668). 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 2.1% of shares and deposits ($1.2M) 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 12.65%, 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

Five Star of Maryland Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Five Star of Maryland Federal Credit Union
Type
Federal credit union
NCUA charter #
19668
RSSD ID
909381
Primary regulator
NCUA
Established
1969
Headquarters
716 Maiden Choice Lane, Suite 101, Baltimore, MD 21228
Employees
17

Quick answers

Five Star of Maryland Federal Credit Union: common questions

Is Five Star of Maryland Federal Credit Union NCUA insured?

Yes. Five Star of Maryland Federal Credit Union is a federally insured credit union (NCUA charter #19668). 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 Five Star of Maryland Federal Credit Union's TellerScore?

78 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 Five Star of Maryland Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Baltimore

InstitutionScoreAssetsCapitalProblem loansCompare
Mt. Jezreel Federal Credit UnionCredit union Silver Spring, MD84 out of 100, Strong$191K20.1%0.00%vs
Tower Federal Credit UnionCredit union Laurel, MD83 out of 100, Strong$5.0B14.3%0.39%vs
Lm Federal Credit UnionCredit union Baltimore, MD83 out of 100, Strong$60.3M12.4%0.14%vs
BayVanguard BankBank Baltimore, MD80 out of 100, Strong$868.7M17.1%0.48%vs
Homewood Federal Savings BankBank Baltimore, MD80 out of 100, Strong$67.3M26.1%0.00%vs
Prince George'S Community Federal Credit UnionCredit union Bowie, MD80 out of 100, Strong$337.0M13.5%0.84%vs