TellerScore

Signal Financial Federal Credit Union is a federal credit union headquartered in Kensington, Maryland, in business for about 79 years. At the end of Q2 2026 it reported $363.9M in total assets and $325.0M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Signal Financial Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 13% of 1,341 credit unions with $100 million – $1 billion. Among 60 credit unions headquartered in Maryland, it ranks 49th. Its strongest component is problem-loan coverage (91/100; 4.5%), and its lowest is earnings (14/100; -0.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.34%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.53%
Earnings14/100
Return on assets (annualized): -0.14%
Funding & liquidity70/100
Loans ÷ shares: 89.8% · 9.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.52%

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 2 points (54 → 56), mostly because the earnings component improved by 5 points.

TellerScore
525761Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202458
Q3 202454
Q4 202453
Q1 202552
Q2 202554
Q3 202557
Q4 202561
Q1 202658
Q2 202656
Net worth ratio
7.00%8.22%9.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.33%
Q3 20249.10%
Q4 20248.73%
Q1 20258.63%
Q2 20258.99%
Q3 20259.15%
Q4 20259.17%
Q1 20269.44%
Q2 20269.34%
Delinquent loans (60+ days)
0.41%0.73%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.05%
Q3 20241.00%
Q4 20240.82%
Q1 20250.56%
Q2 20250.52%
Q3 20250.44%
Q4 20250.74%
Q1 20260.41%
Q2 20260.53%
Return on assets
-0.44%0.19%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.67%
Q3 20240.25%
Q4 20240.01%
Q1 2025-0.44%
Q2 2025-0.27%
Q3 2025-0.06%
Q4 20250.82%
Q1 2026-0.12%
Q2 2026-0.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$363.9M9.34%0.53%-0.14%89.8%
Q1 202658$369.1M9.44%0.41%-0.12%86.1%
Q4 202561$381.3M9.17%0.74%0.82%90.8%
Q3 202557$372.5M9.15%0.44%-0.06%93.4%
Q2 202554$375.4M8.99%0.52%-0.27%89.4%
Q1 202552$391.9M8.63%0.56%-0.44%86.6%
Q4 202453$392.4M8.73%0.82%0.01%88.9%
Q3 202454$412.0M9.10%1.00%0.25%89.9%
Q2 202458$408.0M9.33%1.05%0.67%88.9%

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 ratio9.34%
17th
Problem loans0.53%
62nd
Net charge-offs0.30%
57th
Return on assets-0.14%
3rd
Loans to deposits89.8%
17th
Uninsured deposits9.0%
22nd
Loan-loss reserves0.00%
50th
Texas ratio4.5%
45th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Prince George'S Community Federal Credit UnionCredit union Bowie, MD80 out of 100, Strong$337.0M13.5%0.84%vs
Wepco Federal Credit UnionCredit union Bloomington, MD86 out of 100, Very strong$399.3M15.5%0.98%vs
Nymeo Federal Credit UnionCredit union Frederick, MD66 out of 100, Moderate$409.1M11.1%0.93%vs
Chessie Federal Credit UnionCredit union Cumberland, MD83 out of 100, Strong$434.4M13.8%0.82%vs
Har-Co Credit UnionCredit union Bel Air, MD57 out of 100, Moderate$286.4M9.7%1.43%vs
Mid-Atlantic Federal Credit UnionCredit union Germantown, MD66 out of 100, Moderate$443.4M11.0%0.72%vs

Deposit insurance

Is my money safe at Signal Financial Federal Credit Union?

Yes. Signal Financial Federal Credit Union is a federally insured credit union (NCUA charter #5571). 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 9.0% of shares and deposits ($29.3M) 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 9.34%, 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

Signal Financial Federal Credit Union lists 1 office in 1 city. Most locations:

  • Kensington, MD (1)

All branch addresses and map

Identity & history

Profile

Legal name
Signal Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
5571
RSSD ID
999672
Primary regulator
NCUA
Established
1947
Headquarters
3015 University Blvd W, Kensington, MD 20895
Employees
83

Quick answers

Signal Financial Federal Credit Union: common questions

Is Signal Financial Federal Credit Union NCUA insured?

Yes. Signal Financial Federal Credit Union is a federally insured credit union (NCUA charter #5571). 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 Signal Financial Federal Credit Union's TellerScore?

56 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 Signal Financial Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kensington

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
None Suffer Lack Federal Credit UnionCredit union Suitland, MD99 out of 100, Very strong$27.9M20.1%0.12%vs
Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL99 out of 100, Very strong$2.2M23.1%0.08%vs
Christiansted Federal Credit UnionCredit union Christiansted, VI98 out of 100, Very strong$34.0M20.6%0.23%vs