Credit union · NCUA insured
MECU Credit Union
A $1.3B credit union, the 389th largest of 4,329, headquartered in Baltimore, MD, with 92,195 members and 9 branches in Maryland. Best rates: CDs 4.20% and savings 0.25% APY.
MECU Credit Union Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#20 of 47 in Baltimore, MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MECU Credit Union
- Headquarters
- 1 South St, Baltimore, MD 21202
- NCUA charter
- 66787
Branches
9 branches in Maryland
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Maryland
9 branches
- Elmer Bernhardt Headquarters Branch1 South St, Baltimore, MD 21202Directions
- Harry Deitchman PJM Center312 Martin Luther King Jr Blvd, Baltimore, MD 21201Directions
- John T. O'Mailey Hamilton Center Branch2337 E Northern Pkwy, Baltimore, MD 21214Directions
- Loch Ridge Center Branch8507 Loch Raven Blvd, Baltimore, MD 21286Directions
- Seton Branch4801 Seton Dr, Baltimore, MD 21215Directions
- Charles L. Benton Jr. Westview Branch5910 Baltimore National Pike, Catonsville, MD 21228Directions
- Dundalk Branch7220 Holabird Ave, Dundalk, MD 21222Directions
- Commercentre Branch1777 Reisterstown Rd, Pikesville, MD 21208Directions
- Randallstown Branch8700 Liberty Rd, Randallstown, MD 21133Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.97% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.66% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.28% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $76 | $88 | — |
- CapitalNet worth ratio12.97%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.66%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.28%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$76Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of MECU Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.