credit union · NCUA 8550 · MD
How big is FREEDOM OF MARYLAND?
FREEDOM OF MARYLAND (MD, NCUA charter 8550) reported total assets of $557.4M, 42,688 members and a net worth ratio of 8.66% in its Call Report for 2026Q2. That ranks 711 of 4,299 federally insured credit unions by assets, 232 of 280 among credit unions with $500m-$1b in assets, 17 of 60 credit unions in maryland.
What stands out
FREEDOM OF MARYLAND (MD, NCUA charter 8550) reported total assets of $557.4M, 42,688 members and a net worth ratio of 8.66% in its Call Report for 2026Q2. That ranks 711 of 4,299 federally insured credit unions by assets, 232 of 280 among credit unions with $500m-$1b in assets, 17 of 60 credit unions in maryland. Against its size class: net worth ratio 8.66%, below the peer median of 10.59%; loan-to-share ratio 86.29%, above the peer median of 83.51%; return on assets 0.68%, below the peer median of 0.75%. At 8.66% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $557.4M | $714.8M | $162.8M | $68.3M | record → |
| Shares and deposits | $495.0M | $614.6M | $141.6M | $58.3M | record → |
| Loans outstanding | $427.1M | $502.2M | $99.8M | $34.4M | record → |
| Net income (year to date) | $1.9M | $2.5M | $491.6k | $222.2k | record → |
| Net worth | $48.2M | $74.4M | $26.0M | $9.0M | record → |
| Net worth ratio | 8.66% | 10.59% | 12.37% | 12.65% | record → |
| Loan-to-share ratio | 86.29% | 83.51% | 69.60% | 68.70% | computed |
| Return on assets | 0.68% | 0.75% | 0.52% | 0.71% | computed |
| Members | 42,688 | 41,964 | 13,794 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $557.4M | $495.0M | $427.1M | $1.9M | 8.66% | 42,688 | 711 |
| 2026Q1 | $563.7M | $502.6M | $429.7M | $891.0k | 8.38% | 43,167 | 709 |
| 2025Q4 | $557.4M | $496.9M | $441.1M | $2.1M | 8.31% | 42,086 | 709 |
| 2025Q3 | $554.7M | $495.1M | $438.3M | $1.9M | 8.36% | 42,676 | 706 |
| 2025Q2 | $570.4M | $511.7M | $435.3M | $1.1M | 8.00% | 42,736 | 694 |
| 2025Q1 | $582.3M | $523.4M | $421.0M | $1.2M | 7.81% | 44,714 | 689 |
| 2024Q4 | $474.1M | $424.8M | $362.6M | $5.9k | 7.60% | 31,927 | 758 |
| 2024Q3 | $466.9M | $408.9M | $359.7M | $143.3k | 7.82% | 32,385 | 767 |
| 2024Q2 | $476.4M | $417.7M | $360.0M | $-100.1k | 7.62% | 32,720 | 749 |
| 2024Q1 | $462.4M | $403.5M | $372.3M | $82.1k | 7.89% | 32,875 | 771 |
| 2023Q4 | $434.8M | $375.5M | $376.4M | $1.9M | 8.37% | 32,975 | 795 |
| 2023Q3 | $430.8M | $372.4M | $378.4M | $2.3M | 8.61% | 33,325 | 794 |
| 2023Q2 | $437.6M | $387.9M | $378.7M | $1.6M | 8.32% | 33,559 | 781 |
| 2023Q1 | $438.4M | $389.5M | $381.7M | $599.1k | 8.08% | 33,791 | 788 |
| 2022Q4 | $438.7M | $389.6M | $382.4M | $3.0M | 8.11% | 33,922 | 777 |
| 2022Q3 | $419.7M | $383.1M | $383.2M | $2.4M | 8.33% | 34,124 | 800 |
| 2022Q2 | $426.6M | $391.0M | $370.9M | $1.4M | 7.95% | 33,835 | 788 |
| 2022Q1 | $421.8M | $387.2M | $358.4M | $518.2k | 7.84% | 33,264 | 791 |
| 2021Q4 | $411.3M | $376.2M | $335.9M | $1.7M | 7.92% | 32,538 | 804 |
| 2021Q3 | $402.7M | $368.6M | $325.8M | $1.2M | 7.95% | 32,608 | 804 |
| 2021Q2 | $399.3M | $365.0M | $314.4M | $713.9k | 7.90% | 32,107 | 794 |
| 2021Q1 | $393.6M | $359.5M | $303.1M | $299.7k | 7.91% | 31,762 | 802 |
| 2020Q4 | $379.6M | $345.8M | $299.9M | $939.9k | 8.12% | 31,714 | 785 |
| 2020Q3 | $366.5M | $333.3M | $287.2M | $338.6k | 8.25% | 31,645 | 782 |
| 2020Q2 | $365.1M | $332.2M | $270.8M | $277.5k | 8.26% | 31,357 | 779 |
| 2020Q1 | $338.3M | $305.7M | $260.0M | $251.3k | 8.91% | 31,524 | 783 |
| 2019Q4 | $319.2M | $287.1M | $259.2M | $1.7M | 9.36% | 31,608 | 799 |
| 2019Q3 | $311.7M | $279.8M | $267.3M | $1.4M | 9.47% | 31,601 | 804 |
| 2019Q2 | $313.1M | $281.2M | $258.0M | $968.9k | 9.30% | 31,508 | 797 |
| 2019Q1 | $312.0M | $280.8M | $256.1M | $607.4k | 9.22% | 31,507 | 797 |
| 2018Q4 | $306.0M | $275.7M | $264.7M | $1.5M | 9.20% | 31,714 | 794 |
| 2018Q3 | $306.9M | $276.8M | $266.5M | $1.2M | 9.07% | 32,058 | 789 |
| 2018Q2 | $312.9M | $283.3M | $265.5M | $643.5k | 8.73% | 32,201 | 781 |
| 2018Q1 | $313.1M | $283.8M | $267.9M | $374.3k | 8.64% | 31,893 | 785 |
| 2017Q4 | $315.7M | $276.8M | $269.2M | $1.8M | 8.45% | 31,707 | 770 |
| 2017Q3 | $308.6M | $280.5M | $266.2M | $1.4M | 8.52% | 31,591 | 776 |
| 2017Q2 | $318.3M | $290.9M | $267.6M | $814.9k | 8.08% | 31,556 | 753 |
| 2017Q1 | $318.5M | $292.2M | $277.2M | $293.5k | 7.91% | 31,242 | 750 |
| 2016Q4 | $313.0M | $280.9M | $268.3M | $1.1M | 7.96% | 30,789 | 744 |
| 2016Q3 | $304.5M | $272.8M | $260.5M | $988.7k | 8.06% | 30,693 | 755 |
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