Municipal Empl.credit Union of Balt

BALTIMORE, MD · 2 · Charter #66787 · www.mecu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.3B
17th percentile
Members
93,228
37th percentile
Total loans
$812.6M
11th percentile
Total shares
$1.0B
18th percentile

Profitability

Return on assets
0.82%
37th percentile
Net interest margin
3.66%
80th percentile
Efficiency ratio
66.62%
5th percentile
Non-interest income ratio
24.06%
83th percentile

Capital & Risk

Net worth ratio
12.89%
81th percentile
Delinquency rate
1.73%
7th percentile
Net charge-off rate
1.03%
13th percentile
Loan-to-share
78.19%
25th percentile

Growth

Member growth YoY
-6.49%
5th percentile
Asset growth YoY
-0.67%
9th percentile
Loan growth YoY
-1.94%
12th percentile
Share growth YoY
-0.60%
10th percentile

Operations

Members / branch
10,359
76th percentile
Assets / member
$13,409
10th percentile
Field of membership penetration
15.92%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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