Charter 66787 · Baltimore, MD
Municipal Empl.credit Union of Balt
Municipal Empl.credit Union of Balt is a state-chartered credit union in Baltimore, Maryland, with $1.27 billion in assets and 91,110 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.97%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as MECU of Baltimore, Inc., Municipal Employees Credit Union, MECU of Baltimore, MECU - Baltimore's Credit Union, MECU, Maryland's Exceptional Credit Un.
- Total assets
- $1.27 billion
- +1.0% in a year
- Members
- 91,110
- -5.5% in a year
- Net worth ratio
- 12.97%
- Peer median 10.79%
- Loans 60+ days late
- 1.66%
- Peer median 0.67%
- Loans outstanding
- $801 million
- -0.7% in a year
- Shares and deposits
- $1.06 billion
- +0.6% in a year
- Branches
- 9
- 282 employees
- Opened
- 1936
- Maryland charter
How Municipal Empl.credit Union of Balt compares
NCUA groups credit unions by size; Municipal Empl.credit Union of Balt is in the group with $500 million and up (759 credit unions). Its net worth ratio of 12.97% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.66%, is higher than the group median of 0.67%. Loans fell 0.7% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 9 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 | $1.27 billion | 91,110 | $801 million | 12.97% | 1.66% |
| Q1 2026 | $1.27 billion | 92,195 | $804 million | 12.93% | 1.30% |
| Q4 2025 | $1.25 billion | 93,228 | $813 million | 12.93% | 1.73% |
| Q3 2025 | $1.24 billion | 95,236 | $803 million | 12.89% | 2.29% |
| Q2 2025 | $1.26 billion | 96,390 | $806 million | 12.71% | 1.59% |
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 585,708 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 10 sites for Municipal Empl.credit Union of Balt. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Corporate Offices (main office)
1 South St, Baltimore, MD 21202 - Harry Deitchman PJM Center
312 Martin Luther King Jr Blvd, Baltimore, MD 21201 - Elmer Bernhardt Headquarters Branch
1 South St, Baltimore, MD 21202 - John T. O'Mailey Hamilton Center Branch
2337 E Northern Pkwy, Baltimore, MD 21214 - Loch Ridge Center Branch
8507 Loch Raven Blvd, Baltimore, MD 21286 - Charles L. Benton Jr. Westview Branch
5910 Baltimore National Pike, Catonsville, MD 21228 - Dundalk Branch
7220 Holabird Ave, Dundalk, MD 21222 - Commercentre Branch
1777 Reisterstown Rd, Pikesville, MD 21208 - Seton Branch
4801 Seton Dr, Baltimore, MD 21215 - Randallstown Branch
8700 Liberty Rd, Randallstown, MD 21133
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