LOCAL 355 MD
Charter #14815 · BALTIMORE, MD · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.40% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 2.26% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 13.65% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 117.53% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 61st — a 31-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LOCAL 355 MD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.81M | 69th pct | 46th pct |
| Members | 1,417 | 92th pct | 61th pct |
| Net worth ratio | 19.83% | 59th pct | 69th pct |
| Return on average assets | -0.40% | 24th pct | 18th pct |
| Net interest margin | 2.26% | 10th pct | 13th pct |
| Cost of funds | 0.29% | 38th pct | 30th pct |
| Loan-to-share | 10.13% | 5th pct | 5th pct |
| Delinquency 60+ days | 13.65% | 97th pct | 95th pct |
| Net charge-off ratio | 0.00% | 22th pct | 30th pct |
| Loan growth YoY | -21.72% | 6th pct | 3th pct |
| Share growth YoY | 4.23% | 77th pct | 74th pct |
| Efficiency ratio | 117.53% | 87th pct | 85th pct |
structural peer set hash: 4703b1a9d1a786d51046440d487afbc1… (reproducible)
Closest structural peers
This is the free public view
Claim LOCAL 355 MD
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.