RANKING ·
Lowest efficiency ratio in Maryland
34 of 60 credit unions in Maryland that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Nasa Federal Credit Union | Upper Marlboro, MD | 51.8% | $5.8 billion |
| 2 | Apl Federal Credit Union | Laurel, MD | 54.9% | $724 million |
| 3 | Wepco Federal Credit Union | Bloomington, MD | 60.9% | $399 million |
| 4 | Bull Dog Federal Credit Union | Hagerstown, MD | 63.1% | $238 million |
| 5 | Tower Federal Credit Union | Laurel, MD | 65.6% | $5.0 billion |
| 6 | Prince George'S Community Federal Credit Union | Bowie, MD | 67.7% | $337 million |
| 7 | Aberdeen Proving Ground Federal Credit Union | Aberdeen, MD | 67.9% | $2.7 billion |
| 8 | First Eagle Federal Credit Union | Owings Mills, MD | 68.0% | $109 million |
| 9 | State Employees CU of Maryland, Inc. | Linthicum, MD | 71.7% | $5.8 billion |
| 10 | Act 1st Federal Credit Union | Lavale, MD | 72.1% | $150 million |
| 11 | First Peoples Community Federal Credit Union | Cumberland, MD | 72.3% | $666 million |
| 12 | Cedar Point Federal Credit Union | Lexington Park, MD | 74.2% | $906 million |
| 13 | Chessie Federal Credit Union | Cumberland, MD | 75.0% | $434 million |
| 14 | Nymeo Federal Credit Union | Frederick, MD | 75.1% | $409 million |
| 15 | Market USA Federal Credit Union | Laurel, MD | 76.5% | $142 million |
| 16 | Peake Federal Credit Union | Towson, MD | 77.0% | $534 million |
| 17 | Educational Systems Federal Credit Union | Greenbelt, MD | 77.0% | $1.4 billion |
| 18 | Andrews Federal Credit Union | Suitland, MD | 77.0% | $2.7 billion |
| 19 | Freedom of Maryland Federal Credit Union | Bel Air, MD | 77.8% | $557 million |
| 20 | Lafayette Federal Credit Union | Rockville, MD | 79.9% | $2.1 billion |
| 21 | Har-Co Credit Union | Bel Air, MD | 80.5% | $286 million |
| 22 | First Financial of Maryland Federal Credit Union | Sparks, MD | 82.4% | $1.4 billion |
| 23 | Securityplus Federal Credit Union | Baltimore, MD | 83.0% | $597 million |
| 24 | Fedchoice Federal Credit Union | Lanham, MD | 83.8% | $469 million |
| 25 | Municipal Empl.Credit Union of Balt | Baltimore, MD | 84.3% | $1.3 billion |
| 26 | Johns Hopkins Federal Credit Union | Baltimore, MD | 86.7% | $637 million |
| 27 | National Institutes of Health Federal Credit Union | Rockville, MD | 87.2% | $817 million |
| 28 | Skypoint Federal Credit Union | Germantown, MD | 87.5% | $243 million |
| 29 | Point Breeze Credit Union | Hunt Valley, MD | 87.6% | $1.1 billion |
| 30 | Mid-Atlantic Federal Credit Union | Germantown, MD | 89.5% | $443 million |
| 31 | U S Postal Service Federal Credit Union | Clinton, MD | 95.3% | $280 million |
| 32 | Police Federal Credit Union | Upper Marlboro, MD | 97.8% | $176 million |
| 33 | Money One Federal Credit Union | Largo, MD | 99.5% | $105 million |
| 34 | Signal Financial Federal Credit Union | Kensington, MD | 103.5% | $364 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings