TellerScore

Lm Federal Credit Union (NCUA charter #6039) is based in Baltimore, Maryland. Its Q2 2026 call report shows $60.3M in total assets and $52.5M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Lm Federal Credit Union scores 83/100, which we describe as strong. That is higher than 72% of 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 10th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is capital cushion (74/100; 12.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.40%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.14%
Earnings76/100
Return on assets (annualized): 1.41%
Funding & liquidity80/100
Loans ÷ shares: 80.4% · 6.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.82%

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 (82 → 83).

TellerScore
798284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202479
Q4 202480
Q1 202580
Q2 202582
Q3 202582
Q4 202584
Q1 202683
Q2 202683
Net worth ratio
7.00%9.70%12.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.01%
Q3 202410.50%
Q4 202410.61%
Q1 202510.58%
Q2 202511.01%
Q3 202511.48%
Q4 202511.95%
Q1 202611.82%
Q2 202612.40%
Delinquent loans (60+ days)
0.07%0.20%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20240.33%
Q4 20240.19%
Q1 20250.11%
Q2 20250.10%
Q3 20250.22%
Q4 20250.12%
Q1 20260.07%
Q2 20260.14%
Return on assets
1.41%1.58%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.75%
Q3 20241.74%
Q4 20241.66%
Q1 20251.53%
Q2 20251.59%
Q3 20251.58%
Q4 20251.59%
Q1 20261.50%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$60.3M12.40%0.14%1.41%80.4%
Q1 202683$62.1M11.82%0.07%1.50%75.9%
Q4 202584$59.5M11.95%0.12%1.59%79.5%
Q3 202582$59.9M11.48%0.22%1.58%77.2%
Q2 202582$60.4M11.01%0.10%1.59%73.7%
Q1 202580$60.5M10.58%0.11%1.53%70.3%
Q4 202480$58.1M10.61%0.19%1.66%73.8%
Q3 202479$56.6M10.50%0.33%1.74%73.3%
Q2 202480$56.9M10.01%0.14%1.75%70.9%

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 ratio12.40%
35th
Problem loans0.14%
77th
Net charge-offs0.07%
60th
Return on assets1.41%
83rd
Loans to deposits80.4%
19th
Uninsured deposits6.7%
14th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
69th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Five Star of Maryland Federal Credit UnionCredit union Baltimore, MD78 out of 100, Strong$62.7M12.7%0.20%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
Ferko Md Federal Credit UnionCredit union Frederick, MD94 out of 100, Very strong$30.1M19.4%0.58%vs

Deposit insurance

Is my money safe at Lm Federal Credit Union?

Yes. Lm Federal Credit Union is a federally insured credit union (NCUA charter #6039). 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 6.7% of shares and deposits ($3.5M) 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 12.40%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Lm Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lm Federal Credit Union
Type
Federal credit union
NCUA charter #
6039
RSSD ID
509772
Primary regulator
NCUA
Established
1949
Headquarters
101 Chesapeake Park Plz, Baltimore, MD 21220
Employees
10

Quick answers

Lm Federal Credit Union: common questions

Is Lm Federal Credit Union NCUA insured?

Yes. Lm Federal Credit Union is a federally insured credit union (NCUA charter #6039). 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 Lm Federal Credit Union's TellerScore?

83 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 Lm Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Baltimore

InstitutionScoreAssetsCapitalProblem loansCompare
Tower Federal Credit UnionCredit union Laurel, MD83 out of 100, Strong$5.0B14.3%0.39%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