Charter 18716 · Germantown, MD
Mid-Atlantic Federal Credit Union
Mid-Atlantic Federal Credit Union is a federally chartered credit union in Germantown, Maryland, with $443 million in assets and 17,595 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.98%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $443 million
- +0.3% in a year
- Members
- 17,595
- -2.3% in a year
- Net worth ratio
- 10.98%
- Peer median 11.65%
- Loans 60+ days late
- 0.72%
- Peer median 0.70%
- Loans outstanding
- $319 million
- +1.8% in a year
- Shares and deposits
- $390 million
- -0.1% in a year
- Branches
- 4
- 62 employees
- Opened
- 1968
- Federal charter
How Mid-Atlantic Federal Credit Union compares
NCUA groups credit unions by size; Mid-Atlantic Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.98% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.72%, is about the same as the group median of 0.70%. Loans grew 1.8% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 20 of 60 credit unions headquartered in Maryland. See all Maryland credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $443 million | 17,595 | $319 million | 10.98% | 0.72% |
| Q1 2026 | $448 million | 17,696 | $313 million | 10.89% | 0.69% |
| Q4 2025 | $440 million | 17,775 | $313 million | 10.80% | 1.01% |
| Q3 2025 | $439 million | 17,902 | $311 million | 10.75% | 1.01% |
| Q2 2025 | $442 million | 18,015 | $313 million | 10.67% | 1.25% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 840,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Mid-Atlantic Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Germantown (main office)
12820 Wisteria Dr, Germantown, MD 20874 - Gaithersburg
555 Quince Orchard Rd, Gaithersburg, MD 20878 - Silver Spring
10157 New Hampshire Ave, Silver Spring, MD 20903 - Gaithersburg Inside ATM
555 Quince Orchard Rd, Gaithersburg, MD 20878
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology