MUNICIPAL EMPL.CREDIT UNION OF BALT
Charter #66787 · BALTIMORE, MD · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.93% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.29% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.22% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.30% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.20% sits at the 92nd 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 | MUNICIPAL EMPL.CREDIT UNION OF BALT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.27B | 18th pct | 57th pct |
| Members | 92,195 | 37th pct | 69th pct |
| Net worth ratio | 12.93% | 81th pct | 79th pct |
| Return on average assets | 0.29% | 14th pct | 5th pct |
| Net interest margin | 3.69% | 72th pct | 59th pct |
| Cost of funds | 0.22% | 7th pct | 13th pct |
| Loan-to-share | 75.62% | 23th pct | 38th pct |
| Delinquency 60+ days | 1.30% | 89th pct | 90th pct |
| Net charge-off ratio | 1.20% | 91th pct | 92th pct |
| Loan growth YoY | 0.10% | 29th pct | 39th pct |
| Share growth YoY | 2.73% | 25th pct | 26th pct |
| Efficiency ratio | 78.77% | 74th pct | 67th pct |
structural peer set hash: d3843753f5e4c10efbeee1420a8eceb2… (reproducible)
Closest structural peers
This is the free public view
Claim MUNICIPAL EMPL.CREDIT UNION OF BALT
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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.