FREEDOM OF MARYLAND
Charter #8550 · Bel Air, MD · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.38% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 4.31% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.38% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 34th — a 19-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 | FREEDOM OF MARYLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $563.72M | 17th pct | 10th pct |
| Members | 43,167 | 53th pct | 41th pct |
| Net worth ratio | 8.38% | 10th pct | 15th pct |
| Return on average assets | 0.64% | 52th pct | 64th pct |
| Net interest margin | 4.31% | 92th pct | 89th pct |
| Cost of funds | 1.40% | 45th pct | 38th pct |
| Loan-to-share | 85.50% | 64th pct | 51th pct |
| Delinquency 60+ days | 1.38% | 92th pct | 92th pct |
| Net charge-off ratio | 0.47% | 54th pct | 34th pct |
| Loan growth YoY | -1.95% | 20th pct | 16th pct |
| Share growth YoY | 1.51% | 18th pct | 26th pct |
| Efficiency ratio | 82.56% | 70th pct | 66th pct |
structural peer set hash: 1bacf8c5099abdc980bdc1ce95624765… (reproducible)
Closest structural peers
This is the free public view
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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.