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.

From Q2 2025 to Q2 2026, the score rose 5 points (61 → 66), mostly because the loan quality component improved by 18 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Maryland

Yes. Mid-Atlantic Federal Credit Union is a federally insured credit union (NCUA charter #18716). 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 15.6% of shares and deposits ($60.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.98%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Mid-Atlantic Federal Credit Union lists 4 offices in 3 cities. Most locations:

• Gaithersburg, MD (2)
• Germantown, MD (1)
• Silver Spring, MD (1)

All branch addresses and map

In 2025, Mid-Atlantic Federal Credit Union reported 200 home-loan applications under HMDA (LEI 549300XRGNVNCISU8Q79): 84 originated ($23,090,000 total), 61 denied, and 55 withdrawn or closed by the applicant. Its denial rate on decided applications was 42.1%, 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.

Legal name

Mid-Atlantic Federal Credit Union

Type

Federal credit union

NCUA charter #

18716

RSSD ID

767787

Primary regulator

NCUA

Established

1968

Headquarters

12820 Wisteria Dr, Germantown, MD 20874

Employees

62