TellerScore

Money One Federal Credit Union (NCUA charter #7264) is based in Largo, Maryland. Its Q2 2026 call report shows $105.5M in total assets and $87.9M in member shares and deposits and 1 office.

Money One Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 60 credit unions headquartered in Maryland, it ranks 38th. Problem-loan coverage contributes the most (84/100, 7.9%); earnings contributes the least (34/100, 0.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.68%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.06%
Earnings34/100
Return on assets (annualized): 0.34%
Funding & liquidity75/100
Loans ÷ shares: 85.6% · 2.0% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.93%

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 rose 7 points (56 → 63), mostly because the loan quality component improved by 19 points.

TellerScore
535863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202455
Q4 202458
Q1 202561
Q2 202556
Q3 202553
Q4 202553
Q1 202663
Q2 202663
Net worth ratio
7.00%9.71%12.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.52%
Q3 202411.99%
Q4 202411.77%
Q1 202511.74%
Q2 202512.08%
Q3 202512.33%
Q4 202512.43%
Q1 202611.44%
Q2 202611.68%
Delinquent loans (60+ days)
1.03%1.44%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.72%
Q3 20241.84%
Q4 20241.52%
Q1 20251.03%
Q2 20251.63%
Q3 20251.86%
Q4 20251.82%
Q1 20261.09%
Q2 20261.06%
Return on assets
-0.22%0.19%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.35%
Q4 20240.32%
Q1 20250.00%
Q2 2025-0.06%
Q3 2025-0.22%
Q4 2025-0.15%
Q1 20260.61%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$105.5M11.68%1.06%0.34%85.6%
Q1 202663$107.5M11.44%1.09%0.61%88.6%
Q4 202553$106.4M12.43%1.82%-0.15%89.8%
Q3 202553$106.8M12.33%1.86%-0.22%84.7%
Q2 202556$109.2M12.08%1.63%-0.06%84.3%
Q1 202561$114.9M11.74%1.03%0.00%84.0%
Q4 202458$112.4M11.77%1.52%0.32%89.7%
Q3 202455$109.7M11.99%1.84%0.35%95.5%
Q2 202456$113.9M11.52%1.72%0.45%90.4%

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 ratio11.68%
54th
Problem loans1.06%
27th
Net charge-offs0.13%
81st
Return on assets0.34%
20th
Loans to deposits85.6%
27th
Uninsured deposits2.0%
90th
Loan-loss reserves0.00%
50th
Texas ratio7.9%
21st

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Skypoint Federal Credit UnionCredit union Germantown, MD60 out of 100, Moderate$242.8M12.4%1.61%vs

Deposit insurance

Is my money safe at Money One Federal Credit Union?

Yes. Money One Federal Credit Union is a federally insured credit union (NCUA charter #7264). 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 2.0% of shares and deposits ($1.7M) 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 11.68%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Money One Federal Credit Union lists 1 office in 1 city. Most locations:

  • Largo, MD (1)

All branch addresses and map

Identity & history

Profile

Legal name
Money One Federal Credit Union
Type
Federal credit union
NCUA charter #
7264
RSSD ID
196387
Primary regulator
NCUA
Established
1951
Headquarters
Po Box 6398, Largo, MD 20792
Employees
19

Quick answers

Money One Federal Credit Union: common questions

Is Money One Federal Credit Union NCUA insured?

Yes. Money One Federal Credit Union is a federally insured credit union (NCUA charter #7264). 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 Money One Federal Credit Union's TellerScore?

63 out of 100 (Moderate), 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 Money One Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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