Thiokol Elkton Federal Credit Union (NCUA charter #12185) is based in Elkton, Maryland. Its Q2 2026 call report shows $23.8M in total assets and $19.9M in member shares and deposits and 2 offices across 2 states.
Thiokol Elkton Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 11th. Capital cushion contributes the most (100/100, 18.18%); earnings contributes the least (24/100, 0.11%).
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 (82 → 83).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 70 |
| Q4 2024 | 79 |
| Q1 2025 | 88 |
| Q2 2025 | 82 |
| Q3 2025 | 86 |
| Q4 2025 | 82 |
| Q1 2026 | 89 |
| Q2 2026 | 83 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 16.22% |
| Q3 2024 | 16.45% |
| Q4 2024 | 16.47% |
| Q1 2025 | 16.11% |
| Q2 2025 | 16.78% |
| Q3 2025 | 17.66% |
| Q4 2025 | 18.01% |
| Q1 2026 | 17.65% |
| Q2 2026 | 18.18% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.89% |
| Q3 2024 | 2.11% |
| Q4 2024 | 1.01% |
| Q1 2025 | 0.63% |
| Q2 2025 | 1.43% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.56% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.31% |
| Q3 2025 | 1.15% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.99% |
| Q2 2026 | 0.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $23.8M | 18.18% | 0.16% | 0.11% | 47.3% |
| Q1 2026 | 89 | $24.1M | 17.65% | 0.30% | 0.99% | 47.5% |
| Q4 2025 | 82 | $23.3M | 18.01% | 0.89% | 0.74% | 51.7% |
| Q3 2025 | 86 | $23.8M | 17.66% | 0.83% | 1.15% | 49.0% |
| Q2 2025 | 82 | $24.8M | 16.78% | 1.43% | 1.31% | 46.8% |
| Q1 2025 | 88 | $25.2M | 16.11% | 0.63% | 1.16% | 43.3% |
| Q4 2024 | 79 | $24.3M | 16.47% | 1.01% | 0.56% | 45.5% |
| Q3 2024 | 70 | $24.2M | 16.45% | 2.11% | 0.55% | 47.9% |
| Q2 2024 | 71 | $24.3M | 16.22% | 1.89% | 0.51% | 47.2% |
2,479 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Howard County Education Federal Credit UnionCredit union Ellicott City, MD | 51 out of 100, Below average | $25.0M | 11.1% | 2.76% | vs |
| None Suffer Lack Federal Credit UnionCredit union Suitland, MD | 99 out of 100, Very strong | $27.9M | 20.1% | 0.12% | vs |
| Post Office CU of Md, Inc. Credit UnionCredit union Baltimore, MD | 66 out of 100, Moderate | $28.2M | 25.2% | 1.65% | vs |
| I B E W 26 Federal Credit UnionCredit union Lanham, MD | 57 out of 100, Moderate | $29.9M | 7.6% | 0.75% | vs |
| Ferko Md Federal Credit UnionCredit union Frederick, MD | 94 out of 100, Very strong | $30.1M | 19.4% | 0.58% | vs |
| Mncppc Federal Credit UnionCredit union College Park, MD | 36 out of 100, Low | $16.7M | 11.2% | 6.96% | vs |
Deposit insurance
Is my money safe at Thiokol Elkton Federal Credit Union?
Yes. Thiokol Elkton Federal Credit Union is a federally insured credit union (NCUA charter #12185). 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 1.7% of shares and deposits ($343K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 18.18%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Thiokol Elkton Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:
- Elkton, MD (1)
- Mount Pleasant, WI (1)
Identity & history
Profile
- Legal name
- Thiokol Elkton Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12185
- RSSD ID
- 297686
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- PO Box 825, Elkton, MD 21921
- Employees
- 5
Quick answers
Thiokol Elkton Federal Credit Union: common questions
Is Thiokol Elkton Federal Credit Union NCUA insured?
Yes. Thiokol Elkton Federal Credit Union is a federally insured credit union (NCUA charter #12185). 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 Thiokol Elkton Federal Credit Union's TellerScore?
83 out of 100 (Strong), 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 Thiokol Elkton Federal Credit Union have?
2 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Elkton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE | 94 out of 100, Very strong | $57.2M | 97.8% | 0.00% | vs |
| Deutsche Bank Trust Company DelawareBank Newark, DE | 93 out of 100, Very strong | $141.4M | 93.2% | 0.00% | vs |
| Applied BankBank Wilmington, DE | 93 out of 100, Very strong | $274.1M | 17.5% | 0.00% | vs |
| Delaware River & Bay Auth Emp Federal Credit UnionCredit union New Castle, DE | 86 out of 100, Very strong | $4.1M | 25.8% | 0.82% | vs |
| New Castle County Delaware Em Federal Credit UnionCredit union New Castle, DE | 86 out of 100, Very strong | $33.3M | 12.0% | 0.00% | vs |
| Stifel Trust Company Delaware, National AssociationBank Greenville, DE | 82 out of 100, Strong | $329.5M | 11.4% | 0.00% | vs |