TellerScore

Lafayette Federal Credit Union (NCUA charter #619) is based in Rockville, Maryland. Its Q2 2026 call report shows $2.1B in total assets and $1.8B in member shares and deposits and 8 offices across 3 states.

Based on its Q2 2026 filing, Lafayette Federal Credit Union scores 53/100, which we describe as below average. That is higher than only 10% of 454 credit unions with $1 billion – $10 billion. Among 60 credit unions headquartered in Maryland, it ranks 52nd. Its strongest component is funding & liquidity (85/100; 54% loans-to-deposits, 28% uninsured), and its lowest is loan quality (22/100; 2.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.44%
Loan quality22/100
Loans 60+ days delinquent ÷ total loans: 2.33%
Earnings24/100
Return on assets (annualized): 0.11%
Funding & liquidity85/100
Loans ÷ shares: 54.2% · 28.3% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.93%

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 3 points (56 → 53), mostly because the funding & liquidity component improved by 23 points.

TellerScore
475562Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202460
Q4 202459
Q1 202558
Q2 202556
Q3 202558
Q4 202549
Q1 202647
Q2 202653
Net worth ratio
7.00%10.43%13.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.86%
Q3 202413.59%
Q4 202413.19%
Q1 202513.06%
Q2 202513.10%
Q3 202512.59%
Q4 202512.04%
Q1 202612.16%
Q2 202612.44%
Delinquent loans (60+ days)
1.55%2.31%3.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.55%
Q3 20241.61%
Q4 20241.61%
Q1 20251.59%
Q2 20251.90%
Q3 20251.93%
Q4 20252.66%
Q1 20263.07%
Q2 20262.33%
Return on assets
0.09%0.33%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.19%
Q4 20240.20%
Q1 20250.09%
Q2 20250.11%
Q3 20250.53%
Q4 20250.57%
Q1 20260.13%
Q2 20260.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$2.1B12.44%2.33%0.11%54.2%
Q1 202647$2.1B12.16%3.07%0.13%50.5%
Q4 202549$2.2B12.04%2.66%0.57%81.2%
Q3 202558$2.2B12.59%1.93%0.53%81.2%
Q2 202556$2.0B13.10%1.90%0.11%87.5%
Q1 202558$2.0B13.06%1.59%0.09%91.4%
Q4 202459$2.0B13.19%1.61%0.20%93.5%
Q3 202460$2.0B13.59%1.61%0.19%90.6%
Q2 202462$2.0B13.86%1.55%0.20%92.2%

454 peers · $1 billion – $10 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 ratio12.44%
74th
Problem loans2.33%
2nd
Net charge-offs4.37%
0th
Return on assets0.11%
5th
Loans to deposits54.2%
96th
Uninsured deposits28.3%
1st
Loan-loss reserves0.00%
50th
Texas ratio8.9%
19th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Andrews Federal Credit UnionCredit union Suitland, MD53 out of 100, Below average$2.7B10.6%1.51%vs
Aberdeen Proving Ground Federal Credit UnionCredit union Aberdeen, MD64 out of 100, Moderate$2.7B9.3%0.53%vs
First Financial of Maryland Federal Credit UnionCredit union Sparks, MD79 out of 100, Strong$1.4B16.7%0.54%vs
Educational Systems Federal Credit UnionCredit union Greenbelt, MD69 out of 100, Moderate$1.4B10.8%0.52%vs
Municipal Empl.Credit Union of BaltCredit union Baltimore, MD62 out of 100, Moderate$1.3B13.0%1.66%vs
Point Breeze Credit UnionCredit union Hunt Valley, MD78 out of 100, Strong$1.1B14.0%0.32%vs

Deposit insurance

Is my money safe at Lafayette Federal Credit Union?

Yes. Lafayette Federal Credit Union is a federally insured credit union (NCUA charter #619). 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 28.3% of shares and deposits ($509.9M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Lafayette Federal Credit Union lists 8 offices in 7 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Lafayette Federal Credit Union reported 969 home-loan applications under HMDA (LEI 549300SY0ZRUCS4CSY07): 654 originated ($168,540,000 total), 180 denied, and 100 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.7%, 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
Lafayette Federal Credit Union
Type
Federal credit union
NCUA charter #
619
RSSD ID
792976
Primary regulator
NCUA
Established
1935
Headquarters
2701 Tower Oaks Blvd, Rockville, MD 20852
Employees
250

Quick answers

Lafayette Federal Credit Union: common questions

Is Lafayette Federal Credit Union NCUA insured?

Yes. Lafayette Federal Credit Union is a federally insured credit union (NCUA charter #619). 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 Lafayette Federal Credit Union's TellerScore?

53 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 Lafayette Federal Credit Union have?

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

Nearby

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