Baltimore, Maryland · Peer group 6
Municipal Empl.credit Union of Balt
Municipal Empl.credit Union of Balt holds $1.27B in assets across 92,195 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1936. Charter number 66787, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.27B |
|---|---|
| Total loans | $804.2M |
| Total shares (deposits) | $1.06B |
| Net worth | $162.0M |
| Members | 92,195 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.7% | |
|---|---|---|
| Loans | -1.3% | around the 15th percentile of its peer group |
| Deposits | 0.1% | around the 14th percentile of its peer group |
| Members | -6.3% | lower than 94% 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 | 75.6% | around the 27th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.9% | around the 81st percentile of its peer group |
| Return on assets | 0.28% | around the 17th percentile of its peer group |
| Delinquency ratio | 1.30% | around the 89th percentile of its peer group |
| Cash / assets | 4.7% | around the 17th percentile of its peer group |
| Borrowings / assets | 3.5% | around the 66th percentile of its peer group |
What this page does not show
Everything above is Municipal Empl.credit Union of Balt’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.
- Educational Systems Credit Union
Greenbelt, MD
$1.36B · 84,377 members
- First Financial of Maryland Credit Union
Sparks, MD
$1.42B · 80,539 members
- Point Breeze Credit Union
Hunt Valley, MD
$1.00B · 67,607 members
- Cedar Point Credit Union
LEXINGTON PARK, MD
$902.9M · 47,768 members
- National Institutes of Health Credit Union
Rockville, MD
$825.5M · 40,745 members
- APL Credit Union
Laurel, MD
$709.5M · 31,150 members
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