Central Credit Union of Maryland,in

Baltimore, MD · 2 · Charter #66340 · www.ccumd.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$41.6M
92th percentile
Members
4,401
96th percentile
Total loans
$16.6M
82th percentile
Total shares
$36.2M
93th percentile

Profitability

Return on assets
0.76%
48th percentile
Net interest margin
4.17%
58th percentile
Efficiency ratio
83.90%
18th percentile
Non-interest income ratio
20.58%
83th percentile

Capital & Risk

Net worth ratio
12.41%
33th percentile
Delinquency rate
0.15%
74th percentile
Net charge-off rate
0.02%
72th percentile
Loan-to-share
45.76%
29th percentile

Growth

Member growth YoY
-4.99%
17th percentile
Asset growth YoY
-1.81%
30th percentile
Loan growth YoY
-8.14%
30th percentile
Share growth YoY
-2.82%
30th percentile

Operations

Members / branch
4,401
98th percentile
Assets / member
$9,451
52th percentile
Field of membership penetration
17.60%
30th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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