TellerScore

Market USA Federal Credit Union (NCUA charter #9003) is based in Laurel, Maryland. Its Q2 2026 call report shows $142.3M in total assets and $114.1M in member shares and deposits and 3 offices across 2 states.

Based on its Q2 2026 filing, Market USA Federal Credit Union scores 76/100, which we describe as strong. That is higher than 68% of 1,341 credit unions with $100 million – $1 billion. Among 60 credit unions headquartered in Maryland, it ranks 20th. Its strongest component is capital cushion (100/100; 19.16%), and its lowest is loan quality (47/100; 1.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.16%
Loan quality47/100
Loans 60+ days delinquent ÷ total loans: 1.59%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity80/100
Loans ÷ shares: 79.9% · 2.1% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.26%

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 18 points (58 → 76), mostly because the earnings component improved by 39 points.

TellerScore
496376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202454
Q4 202451
Q1 202560
Q2 202558
Q3 202563
Q4 202566
Q1 202673
Q2 202676
Net worth ratio
7.00%13.33%19.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.79%
Q3 202419.66%
Q4 202419.26%
Q1 202518.68%
Q2 202518.73%
Q3 202518.88%
Q4 202518.83%
Q1 202618.89%
Q2 202619.16%
Delinquent loans (60+ days)
1.59%2.20%2.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.82%
Q3 20242.57%
Q4 20242.61%
Q1 20252.62%
Q2 20252.65%
Q3 20252.02%
Q4 20252.10%
Q1 20261.64%
Q2 20261.59%
Return on assets
-0.58%0.29%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.42%
Q3 2024-0.17%
Q4 2024-0.58%
Q1 20250.47%
Q2 20250.17%
Q3 20250.06%
Q4 20250.49%
Q1 20260.80%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$142.3M19.16%1.59%1.16%79.9%
Q1 202673$141.4M18.89%1.64%0.80%77.3%
Q4 202566$140.4M18.83%2.10%0.49%79.6%
Q3 202563$137.9M18.88%2.02%0.06%79.9%
Q2 202558$139.3M18.73%2.65%0.17%82.7%
Q1 202560$139.9M18.68%2.62%0.47%85.3%
Q4 202451$134.8M19.26%2.61%-0.58%93.4%
Q3 202454$136.3M19.66%2.57%-0.17%96.6%
Q2 202449$142.0M18.79%2.82%-0.42%94.7%

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 ratio19.16%
96th
Problem loans1.59%
11th
Net charge-offs1.65%
3rd
Return on assets1.16%
75th
Loans to deposits79.9%
41st
Uninsured deposits2.1%
89th
Loan-loss reserves0.00%
50th
Texas ratio6.3%
30th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Act 1st Federal Credit UnionCredit union LaVale, MD51 out of 100, Below average$149.7M8.1%1.53%vs
First Eagle Federal Credit UnionCredit union Owings Mills, MD76 out of 100, Strong$109.5M12.4%0.75%vs
Police Federal Credit UnionCredit union Upper Marlboro, MD67 out of 100, Moderate$175.9M14.3%1.33%vs
Money One Federal Credit UnionCredit union Largo, MD63 out of 100, Moderate$105.5M11.7%1.06%vs
Bull Dog Federal Credit UnionCredit union Hagerstown, MD73 out of 100, Strong$237.7M12.4%1.31%vs
Skypoint Federal Credit UnionCredit union Germantown, MD60 out of 100, Moderate$242.8M12.4%1.61%vs

Deposit insurance

Is my money safe at Market USA Federal Credit Union?

Yes. Market USA Federal Credit Union is a federally insured credit union (NCUA charter #9003). 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 ($2.4M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 19.16%, 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

Market USA Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Market USA Federal Credit Union
Type
Federal credit union
NCUA charter #
9003
RSSD ID
306681
Primary regulator
NCUA
Established
1953
Headquarters
8871 Gorman Rd, Ste 100, Laurel, MD 20723
Employees
41

Quick answers

Market USA Federal Credit Union: common questions

Is Market USA Federal Credit Union NCUA insured?

Yes. Market USA Federal Credit Union is a federally insured credit union (NCUA charter #9003). 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 Market USA Federal Credit Union's TellerScore?

76 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 Market USA Federal Credit Union have?

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

Nearby

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