Mid-Atlantic

Germantown, MD · 1 · Charter #18716 · www.mafcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$439.8M
49th percentile
Members
17,775
16th percentile
Total loans
$313.2M
53th percentile
Total shares
$387.9M
51th percentile

Profitability

Return on assets
0.58%
24th percentile
Net interest margin
3.08%
27th percentile
Efficiency ratio
62.20%
37th percentile
Non-interest income ratio
13.24%
17th percentile

Capital & Risk

Net worth ratio
10.80%
49th percentile
Delinquency rate
1.01%
27th percentile
Net charge-off rate
0.02%
99th percentile
Loan-to-share
80.73%
51th percentile

Growth

Member growth YoY
-2.63%
19th percentile
Asset growth YoY
2.22%
27th percentile
Loan growth YoY
-0.58%
22th percentile
Share growth YoY
1.94%
27th percentile

Operations

Members / branch
4,444
47th percentile
Assets / member
$24,743
90th percentile
Field of membership penetration
2.12%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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