TellerScore

Freedom of Maryland Federal Credit Union (NCUA charter #8550) is based in Bel Air, Maryland. Its Q2 2026 call report shows $557.4M in total assets and $495.0M in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, Freedom of Maryland Federal Credit Union scores 51/100, which we describe as below average. That is higher than only 7% of 1,341 credit unions with $100 million – $1 billion. Among 60 credit unions headquartered in Maryland, it ranks 54th. Its strongest component is funding & liquidity (74/100; 86% loans-to-deposits, 5% uninsured), and its lowest is capital cushion (37/100; 8.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.66%
Loan quality48/100
Loans 60+ days delinquent ÷ total loans: 1.55%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity74/100
Loans ÷ shares: 86.3% · 5.2% uninsured
Problem-loan coverage73/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.74%

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 2 points (49 → 51), mostly because the earnings component improved by 11 points.

TellerScore
424853Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202442
Q3 202442
Q4 202442
Q1 202553
Q2 202549
Q3 202553
Q4 202551
Q1 202651
Q2 202651
Net worth ratio
7.00%7.83%8.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.62%
Q3 20247.82%
Q4 20247.60%
Q1 20257.81%
Q2 20258.00%
Q3 20258.36%
Q4 20258.31%
Q1 20268.38%
Q2 20268.66%
Delinquent loans (60+ days)
0.99%1.30%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.47%
Q3 20241.60%
Q4 20241.58%
Q1 20251.33%
Q2 20251.30%
Q3 20250.99%
Q4 20251.13%
Q1 20261.38%
Q2 20261.55%
Return on assets
-0.04%0.39%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.04%
Q3 20240.04%
Q4 20240.00%
Q1 20250.83%
Q2 20250.39%
Q3 20250.45%
Q4 20250.38%
Q1 20260.63%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$557.4M8.66%1.55%0.68%86.3%
Q1 202651$563.7M8.38%1.38%0.63%85.5%
Q4 202551$557.4M8.31%1.13%0.38%88.8%
Q3 202553$554.7M8.36%0.99%0.45%88.5%
Q2 202549$570.4M8.00%1.30%0.39%85.1%
Q1 202553$582.3M7.81%1.33%0.83%80.4%
Q4 202442$474.1M7.60%1.58%0.00%85.4%
Q3 202442$466.9M7.82%1.60%0.04%88.0%
Q2 202442$476.4M7.62%1.47%-0.04%86.2%

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 ratio8.66%
9th
Problem loans1.55%
12th
Net charge-offs0.55%
31st
Return on assets0.68%
46th
Loans to deposits86.3%
25th
Uninsured deposits5.2%
57th
Loan-loss reserves0.00%
50th
Texas ratio13.7%
6th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Peake Federal Credit UnionCredit union Towson, MD67 out of 100, Moderate$534.2M8.6%0.18%vs
Securityplus Federal Credit UnionCredit union Baltimore, MD53 out of 100, Below average$596.9M10.3%1.45%vs
Johns Hopkins Federal Credit UnionCredit union Baltimore, MD76 out of 100, Strong$637.3M12.7%0.65%vs
Fedchoice Federal Credit UnionCredit union Lanham, MD62 out of 100, Moderate$468.7M9.4%0.65%vs
First Peoples Community Federal Credit UnionCredit union Cumberland, MD80 out of 100, Strong$666.1M13.6%0.53%vs
Mid-Atlantic Federal Credit UnionCredit union Germantown, MD66 out of 100, Moderate$443.4M11.0%0.72%vs

Deposit insurance

Is my money safe at Freedom of Maryland Federal Credit Union?

Yes. Freedom of Maryland Federal Credit Union is a federally insured credit union (NCUA charter #8550). 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 5.2% of shares and deposits ($26.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.66%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Freedom of Maryland Federal Credit Union lists 5 offices in 4 cities. Most locations:

  • Bel Air, MD (2)
  • Gunpowder, MD (1)
  • Havre De Grace, MD (1)
  • Perry Hall, MD (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Freedom of Maryland Federal Credit Union reported 44 home-loan applications under HMDA (LEI 2549000BG2198NFS0K59): 37 originated ($9,405,000 total), 1 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.6%, 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
Freedom of Maryland Federal Credit Union
Type
Federal credit union
NCUA charter #
8550
RSSD ID
253084
Primary regulator
NCUA
Established
1953
Headquarters
2019 Emmorton Rd, Bel Air, MD 21015
Employees
121

Quick answers

Freedom of Maryland Federal Credit Union: common questions

Is Freedom of Maryland Federal Credit Union NCUA insured?

Yes. Freedom of Maryland Federal Credit Union is a federally insured credit union (NCUA charter #8550). 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 Freedom of Maryland Federal Credit Union's TellerScore?

51 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 Freedom of Maryland Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bel Air

InstitutionScoreAssetsCapitalProblem loansCompare
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
First Financial of Maryland Federal Credit UnionCredit union Sparks, MD79 out of 100, Strong$1.4B16.7%0.54%vs
Destinations Credit UnionCredit union Baltimore, MD79 out of 100, Strong$65.4M13.8%0.48%vs
Self Reliance Financial Federal Credit UnionCredit union New York, NY79 out of 100, Strong$2.0B17.2%0.63%vs