Bel Air, Maryland · Peer group 6
Freedom of Maryland Credit Union
Freedom of Maryland Credit Union holds $563.7M in assets across 43,167 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1953. Charter number 8550, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $563.7M |
|---|---|
| Total loans | $429.7M |
| Total shares (deposits) | $502.6M |
| Net worth | $47.2M |
| Members | 43,167 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -3.2% | |
|---|---|---|
| Loans | 2.1% | around the 34th percentile of its peer group |
| Deposits | -4.0% | lower than 97% of its peer group |
| Members | -3.5% | around the 12th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 85.5% | around the 53rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.4% | lower than 93% of its peer group |
| Return on assets | 0.63% | around the 47th percentile of its peer group |
| Delinquency ratio | 1.38% | higher than 92% of its peer group |
| Cash / assets | 15.6% | higher than 90% of its peer group |
| Borrowings / assets | 1.4% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Freedom of Maryland Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Maryland — the comparison set a peer ratio is measured against.
- Peake Credit Union
Towson, MD
$534.2M · 28,552 members
- Securityplus Credit Union
Baltimore, MD
$604.1M · 35,873 members
- Fedchoice Credit Union
Lanham, MD
$503.4M · 25,704 members
- Johns Hopkins Credit Union
Baltimore, MD
$648.6M · 46,114 members
- First Peoples Community Credit Union
CUMBERLAND, MD
$659.9M · 34,621 members
- Mid-Atlantic Credit Union
Germantown, MD
$448.4M · 17,696 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Freedom of Maryland Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.