Five Star of Maryland

BALTIMORE, MD · 1 · Charter #19668 · www.fivestarfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$61.4M
13th percentile
Members
5,799
32th percentile
Total loans
$24.5M
8th percentile
Total shares
$52.6M
13th percentile

Profitability

Return on assets
0.31%
10th percentile
Net interest margin
3.63%
48th percentile
Efficiency ratio
78.97%
8th percentile
Non-interest income ratio
16.52%
46th percentile

Capital & Risk

Net worth ratio
12.75%
57th percentile
Delinquency rate
0.13%
92th percentile
Net charge-off rate
0.15%
74th percentile
Loan-to-share
46.51%
16th percentile

Growth

Member growth YoY
-5.77%
9th percentile
Asset growth YoY
-4.59%
3th percentile
Loan growth YoY
-10.54%
5th percentile
Share growth YoY
-7.15%
1th percentile

Operations

Members / branch
1,450
8th percentile
Assets / member
$10,594
17th percentile
Field of membership penetration
30.52%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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