FIVE STAR OF MARYLAND
Charter #19668 · BALTIMORE, MD · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.09% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.19% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.36% sits at the 80th percentile of structural peers — worth a closer look.
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 | FIVE STAR OF MARYLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $62.17M | 30th pct | 28th pct |
| Members | 5,651 | 60th pct | 64th pct |
| Net worth ratio | 12.68% | 48th pct | 56th pct |
| Return on average assets | 0.36% | 32th pct | 33th pct |
| Net interest margin | 3.60% | 44th pct | 54th pct |
| Cost of funds | 0.81% | 42th pct | 48th pct |
| Loan-to-share | 45.50% | 23th pct | 36th pct |
| Delinquency 60+ days | 0.09% | 11th pct | 3th pct |
| Net charge-off ratio | -0.19% | 2th pct | 5th pct |
| Loan growth YoY | 1.71% | 77th pct | 69th pct |
| Share growth YoY | 0.58% | 23th pct | 30th pct |
| Efficiency ratio | 92.36% | 86th pct | 80th pct |
structural peer set hash: f7c62eef26627d17b3efde2faeec6817… (reproducible)
Closest structural peers
This is the free public view
Claim FIVE STAR OF MARYLAND
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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.