TellerScore

Nymeo Federal Credit Union is a federal credit union headquartered in Frederick, Maryland, in business for about 62 years. At the end of Q2 2026 it reported $409.1M in total assets and $349.4M in member shares and deposits, with 4 offices.

Nymeo Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 60 credit unions headquartered in Maryland, it ranks 33rd. Problem-loan coverage contributes the most (88/100, 6.0%); earnings contributes the least (50/100, 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.11%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.93%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity76/100
Loans ÷ shares: 83.8% · 9.1% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.96%

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 3 points (63 → 66), mostly because the loan quality component improved by 11 points.

TellerScore
566166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202460
Q4 202460
Q1 202563
Q2 202563
Q3 202558
Q4 202559
Q1 202666
Q2 202666
Net worth ratio
7.00%9.24%11.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.07%
Q3 202411.28%
Q4 202411.35%
Q1 202511.38%
Q2 202511.48%
Q3 202511.06%
Q4 202510.74%
Q1 202610.96%
Q2 202611.11%
Delinquent loans (60+ days)
0.93%1.31%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.70%
Q3 20241.49%
Q4 20241.53%
Q1 20251.45%
Q2 20251.25%
Q3 20251.62%
Q4 20251.38%
Q1 20261.07%
Q2 20260.93%
Return on assets
0.31%0.56%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.31%
Q3 20240.49%
Q4 20240.55%
Q1 20250.81%
Q2 20250.65%
Q3 20250.64%
Q4 20250.72%
Q1 20260.82%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$409.1M11.11%0.93%0.75%83.8%
Q1 202666$408.5M10.96%1.07%0.82%74.8%
Q4 202559$408.9M10.74%1.38%0.72%87.3%
Q3 202558$389.8M11.06%1.62%0.64%83.5%
Q2 202563$370.0M11.48%1.25%0.65%84.0%
Q1 202563$369.2M11.38%1.45%0.81%78.8%
Q4 202460$363.7M11.35%1.53%0.55%80.2%
Q3 202460$362.3M11.28%1.49%0.49%77.7%
Q2 202456$362.3M11.07%1.70%0.31%77.8%

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 ratio11.11%
46th
Problem loans0.93%
34th
Net charge-offs0.43%
43rd
Return on assets0.75%
51st
Loans to deposits83.8%
31st
Uninsured deposits9.1%
22nd
Loan-loss reserves0.00%
50th
Texas ratio6.0%
32nd

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Wepco Federal Credit UnionCredit union Bloomington, MD86 out of 100, Very strong$399.3M15.5%0.98%vs
Chessie Federal Credit UnionCredit union Cumberland, MD83 out of 100, Strong$434.4M13.8%0.82%vs
Mid-Atlantic Federal Credit UnionCredit union Germantown, MD66 out of 100, Moderate$443.4M11.0%0.72%vs
Signal Financial Federal Credit UnionCredit union Kensington, MD56 out of 100, Moderate$363.9M9.3%0.53%vs
Fedchoice Federal Credit UnionCredit union Lanham, MD62 out of 100, Moderate$468.7M9.4%0.65%vs
Prince George'S Community Federal Credit UnionCredit union Bowie, MD80 out of 100, Strong$337.0M13.5%0.84%vs

Deposit insurance

Is my money safe at Nymeo Federal Credit Union?

Yes. Nymeo Federal Credit Union is a federally insured credit union (NCUA charter #16408). 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 9.1% of shares and deposits ($31.7M) 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 11.11%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Nymeo Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Nymeo Federal Credit Union reported 378 home-loan applications under HMDA (LEI 5493003PL2K1NXVSU388): 365 originated ($69,275,000 total), 11 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.9%, 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
Nymeo Federal Credit Union
Type
Federal credit union
NCUA charter #
16408
RSSD ID
940580
Primary regulator
NCUA
Established
1964
Headquarters
5210 Chairmans Ct, Frederick, MD 21703
Employees
81

Quick answers

Nymeo Federal Credit Union: common questions

Is Nymeo Federal Credit Union NCUA insured?

Yes. Nymeo Federal Credit Union is a federally insured credit union (NCUA charter #16408). 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 Nymeo Federal Credit Union's TellerScore?

66 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 Nymeo Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Frederick

InstitutionScoreAssetsCapitalProblem loansCompare
Lee Federal Credit UnionCredit union Washington, DC99 out of 100, Very strong$5.5M50.7%0.00%vs
Ferko Md Federal Credit UnionCredit union Frederick, MD94 out of 100, Very strong$30.1M19.4%0.58%vs
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City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
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