Headquartered in Baltimore, Maryland, Municipal Empl.Credit Union of Balt is a federally insured state-chartered credit union with $1.3B in total assets and $1.1B in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1936.
Based on its Q2 2026 filing, Municipal Empl.Credit Union of Balt scores 62/100, which we describe as moderate. That is higher than only 30% of 454 credit unions with $1 billion – $10 billion. Among 60 credit unions headquartered in Maryland, it ranks 40th. Its strongest component is funding & liquidity (84/100; 76% loans-to-deposits, 8% uninsured), and its lowest is earnings (31/100; 0.28%).
TellerScore · Q2 2026
Scorecard
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 (62 → 62).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 59 |
| Q4 2024 | 60 |
| Q1 2025 | 62 |
| Q2 2025 | 62 |
| Q3 2025 | 56 |
| Q4 2025 | 61 |
| Q1 2026 | 66 |
| Q2 2026 | 62 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.42% |
| Q3 2024 | 12.60% |
| Q4 2024 | 12.78% |
| Q1 2025 | 12.65% |
| Q2 2025 | 12.71% |
| Q3 2025 | 12.89% |
| Q4 2025 | 12.93% |
| Q1 2026 | 12.93% |
| Q2 2026 | 12.97% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.74% |
| Q4 2024 | 1.75% |
| Q1 2025 | 1.46% |
| Q2 2025 | 1.59% |
| Q3 2025 | 2.29% |
| Q4 2025 | 1.73% |
| Q1 2026 | 1.30% |
| Q2 2026 | 1.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.28% |
| Q2 2026 | 0.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $1.3B | 12.97% | 1.66% | 0.28% | 75.8% |
| Q1 2026 | 66 | $1.3B | 12.93% | 1.30% | 0.28% | 75.6% |
| Q4 2025 | 61 | $1.3B | 12.93% | 1.73% | 0.32% | 78.1% |
| Q3 2025 | 56 | $1.2B | 12.89% | 2.29% | 0.26% | 77.6% |
| Q2 2025 | 62 | $1.3B | 12.71% | 1.59% | 0.22% | 76.7% |
| Q1 2025 | 62 | $1.3B | 12.65% | 1.46% | 0.16% | 76.7% |
| Q4 2024 | 60 | $1.3B | 12.78% | 1.75% | 0.19% | 79.2% |
| Q3 2024 | 59 | $1.2B | 12.60% | 1.74% | 0.11% | 77.4% |
| Q2 2024 | 61 | $1.3B | 12.42% | 1.50% | 0.15% | 77.2% |
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).
Similar-size credit unions in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Educational Systems Federal Credit UnionCredit union Greenbelt, MD | 69 out of 100, Moderate | $1.4B | 10.8% | 0.52% | vs |
| First Financial of Maryland Federal Credit UnionCredit union Sparks, MD | 79 out of 100, Strong | $1.4B | 16.7% | 0.54% | vs |
| Point Breeze Credit UnionCredit union Hunt Valley, MD | 78 out of 100, Strong | $1.1B | 14.0% | 0.32% | vs |
| Lafayette Federal Credit UnionCredit union Rockville, MD | 53 out of 100, Below average | $2.1B | 12.4% | 2.33% | vs |
| Andrews Federal Credit UnionCredit union Suitland, MD | 53 out of 100, Below average | $2.7B | 10.6% | 1.51% | vs |
| Aberdeen Proving Ground Federal Credit UnionCredit union Aberdeen, MD | 64 out of 100, Moderate | $2.7B | 9.3% | 0.53% | vs |
Deposit insurance
Is my money safe at Municipal Empl.Credit Union of Balt?
Yes. Municipal Empl.Credit Union of Balt is a federally insured credit union (NCUA charter #66787). 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 8.3% of shares and deposits ($87.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 12.97%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
7 locations
Branches
Municipal Empl.Credit Union of Balt lists 7 offices in 3 cities. Most locations:
- Baltimore, MD (5)
- Catonsville, MD (1)
- Dundalk, MD (1)
Identity & history
Profile
- Legal name
- Municipal Empl.Credit Union of Balt
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 66787
- RSSD ID
- 572794
- Primary regulator
- State + NCUA
- Established
- 1936
- Headquarters
- 1 South St, Baltimore, MD 21202
- Employees
- 282
Quick answers
Municipal Empl.Credit Union of Balt: common questions
Is Municipal Empl.Credit Union of Balt NCUA insured?
Yes. Municipal Empl.Credit Union of Balt is a federally insured credit union (NCUA charter #66787). 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 Municipal Empl.Credit Union of Balt's TellerScore?
62 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 Municipal Empl.Credit Union of Balt have?
7 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Baltimore
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tower Federal Credit UnionCredit union Laurel, MD | 83 out of 100, Strong | $5.0B | 14.3% | 0.39% | vs |
| Lm Federal Credit UnionCredit union Baltimore, MD | 83 out of 100, Strong | $60.3M | 12.4% | 0.14% | vs |
| BayVanguard BankBank Baltimore, MD | 80 out of 100, Strong | $868.7M | 17.1% | 0.48% | vs |
| Homewood Federal Savings BankBank Baltimore, MD | 80 out of 100, Strong | $67.3M | 26.1% | 0.00% | vs |
| Prince George'S Community Federal Credit UnionCredit union Bowie, MD | 80 out of 100, Strong | $337.0M | 13.5% | 0.84% | vs |
| Self Reliance Financial Federal Credit UnionCredit union New York, NY | 79 out of 100, Strong | $2.0B | 17.2% | 0.63% | vs |