TellerScore

National Institutes of Health Federal Credit Union (NCUA charter #3601) is based in Rockville, Maryland. Its Q2 2026 call report shows $816.7M in total assets and $741.7M in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, National Institutes of Health Federal Credit Union scores 58/100, which we describe as moderate. That is higher than only 16% of 1,341 credit unions with $100 million – $1 billion. Among 60 credit unions headquartered in Maryland, it ranks 45th. Its strongest component is funding & liquidity (92/100; 68% loans-to-deposits, 9% uninsured), and its lowest is capital cushion (29/100; 7.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion29/100
Net worth ratio: 7.94%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.68%
Earnings35/100
Return on assets (annualized): 0.38%
Funding & liquidity92/100
Loans ÷ shares: 67.9% · 9.2% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.32%

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 fell 5 points (63 → 58), mostly because the loan quality component weakened by 15 points.

TellerScore
576164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202457
Q3 202458
Q4 202459
Q1 202563
Q2 202563
Q3 202563
Q4 202564
Q1 202664
Q2 202658
Net worth ratio
7.00%7.53%8.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20247.74%
Q3 20247.80%
Q4 20247.86%
Q1 20257.95%
Q2 20257.78%
Q3 20257.88%
Q4 20258.03%
Q1 20268.05%
Q2 20267.94%
Delinquent loans (60+ days)
0.20%0.44%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.52%
Q4 20240.42%
Q1 20250.35%
Q2 20250.24%
Q3 20250.23%
Q4 20250.21%
Q1 20260.20%
Q2 20260.68%
Return on assets
0.07%0.32%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.07%
Q3 20240.15%
Q4 20240.19%
Q1 20250.57%
Q2 20250.41%
Q3 20250.48%
Q4 20250.47%
Q1 20260.42%
Q2 20260.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$816.7M7.94%0.68%0.38%67.9%
Q1 202664$825.5M8.05%0.20%0.42%65.4%
Q4 202564$804.4M8.03%0.21%0.47%67.0%
Q3 202563$814.3M7.88%0.23%0.48%66.5%
Q2 202563$810.1M7.78%0.24%0.41%66.0%
Q1 202563$817.6M7.95%0.35%0.57%65.4%
Q4 202459$793.4M7.86%0.42%0.19%66.5%
Q3 202458$791.8M7.80%0.52%0.15%67.1%
Q2 202457$791.7M7.74%0.41%0.07%67.2%

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 ratio7.94%
3rd
Problem loans0.68%
50th
Net charge-offs0.39%
46th
Return on assets0.38%
23rd
Loans to deposits67.9%
65th
Uninsured deposits9.2%
21st
Loan-loss reserves0.00%
50th
Texas ratio5.3%
36th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Cedar Point Federal Credit UnionCredit union Lexington Park, MD69 out of 100, Moderate$905.8M9.3%0.45%vs
Apl Federal Credit UnionCredit union Laurel, MD76 out of 100, Strong$723.6M11.8%0.49%vs
First Peoples Community Federal Credit UnionCredit union Cumberland, MD80 out of 100, Strong$666.1M13.6%0.53%vs
Johns Hopkins Federal Credit UnionCredit union Baltimore, MD76 out of 100, Strong$637.3M12.7%0.65%vs
Securityplus Federal Credit UnionCredit union Baltimore, MD53 out of 100, Below average$596.9M10.3%1.45%vs
Freedom of Maryland Federal Credit UnionCredit union Bel Air, MD51 out of 100, Below average$557.4M8.7%1.55%vs

Deposit insurance

Is my money safe at National Institutes of Health Federal Credit Union?

Yes. National Institutes of Health Federal Credit Union is a federally insured credit union (NCUA charter #3601). 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 9.2% of shares and deposits ($68.5M) 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 7.94%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

National Institutes of Health Federal Credit Union lists 6 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, National Institutes of Health Federal Credit Union reported 267 home-loan applications under HMDA (LEI 5493007KLU19FK8PG279): 169 originated ($47,295,000 total), 44 denied, and 54 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.7%, 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.

Identity & history

Profile

Legal name
National Institutes of Health Federal Credit Union
Type
Federal credit union
NCUA charter #
3601
RSSD ID
377672
Primary regulator
NCUA
Established
1940
Headquarters
PO Box 6475, Rockville, MD 20849
Employees
135

Quick answers

National Institutes of Health Federal Credit Union: common questions

Is National Institutes of Health Federal Credit Union NCUA insured?

Yes. National Institutes of Health Federal Credit Union is a federally insured credit union (NCUA charter #3601). 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 National Institutes of Health Federal Credit Union's TellerScore?

58 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 National Institutes of Health Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rockville

InstitutionScoreAssetsCapitalProblem loansCompare
Mount Pleasant Baptist Church Federal Credit UnionCredit union Alexandria, VA100 out of 100, Very strong$370K17.4%0.00%vs
Angelina County Teachers Credit UnionCredit union Lufkin, TX100 out of 100, Very strong$12.9M18.4%0.04%vs
Lee Federal Credit UnionCredit union Washington, DC99 out of 100, Very strong$5.5M50.7%0.00%vs
Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL99 out of 100, Very strong$2.2M23.1%0.08%vs
None Suffer Lack Federal Credit UnionCredit union Suitland, MD99 out of 100, Very strong$27.9M20.1%0.12%vs
Christiansted Federal Credit UnionCredit union Christiansted, VI98 out of 100, Very strong$34.0M20.6%0.23%vs