Money One Federal Credit Union
Total assets
$107.5M
▼ -6.4% YoY
Shares & deposits
$87.7M
▼ -5.8% YoY
Loans
$77.7M
▼ -0.6% YoY
Members
6,661
▼ -9.1% YoY
ROA (annualized)
0.61%
peers 0.69%
ROE (annualized)
5.33%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.4% | +3.9% | -10.3 pts |
| Share growth (YoY) | -5.8% | +3.3% | -9.1 pts |
| Loan growth (YoY) | -0.6% | +2.9% | -3.5 pts |
| ROA | 0.61% | 0.69% | -0.1 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 6398, Largo, MD, 20792
- NCUA charter #
- 7264
- RSSD ID
- 196387
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $107.5M | $87.7M | $77.7M | $12.3M | $164K | 0.61% | 3.24% | 1.09% | 6,661 |
| Q4 2025 | $106.4M | $87.8M | $78.9M | $13.2M | $-155K | -0.15% | 3.47% | 1.82% | 6,837 |
| Q3 2025 | $106.8M | $90.3M | $76.4M | $13.2M | $-179K | -0.22% | 3.55% | 1.86% | 7,117 |
| Q2 2025 | $109.2M | $92.7M | $78.2M | $13.2M | $-35K | -0.06% | 3.51% | 1.63% | 7,117 |
| Q1 2025 | $114.9M | $93.1M | $78.2M | $13.2M | $547 | 0.00% | 3.21% | 1.03% | 7,324 |
| Q4 2024 | $112.4M | $91.1M | $81.7M | $13.2M | $362K | 0.32% | 3.71% | 1.52% | 7,743 |
| Q3 2024 | $109.7M | $88.3M | $84.3M | $13.2M | $287K | 0.35% | 3.84% | 1.84% | 7,743 |
| Q2 2024 | $113.9M | $92.8M | $83.9M | $13.1M | $257K | 0.45% | 3.72% | 1.72% | 7,975 |
Loan mix (Q1 2026): real estate $35.9M · commercial $23.8M · consumer $17.6M · securities $10.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.69% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.62% | 27th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 78.7% | 82th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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