Germantown, MD · Federal Credit Union · Chartered in MD
Who can join
Employer / occupational group
Members
17,696
Net Worth Ratio
10.89%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$448.4M
Total Shares
$393.5M
Total Loans
$313.3M
Net Worth Ratio
10.89%
≥7% = Well Capitalized
Members
17,696
Delinquency Rate (60d+)
0.68%
$2.1M
Loan-to-share ratio: 79.6%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 120 | 53 | 33 | 44.2% | 27.5% |
| 2022 | 218 | 176 | 11 | 80.7% | 5.0% |
| 2021 | 398 | 353 | 22 | 88.7% | 5.5% |
Last 12 Months
6
Since 2018
26
all complaints on record
Monetary Relief
0%
% of complaints with monetary relief
Untimely Response
38%
% exceeding 15-day window
Monthly Complaints (2021–present)
Data through Jun 2026.Last 12 months shown — upgrade for full history.
Germantown
12820 Wisteria Dr, Germantown, MD, 20874-2627
Monday - Friday: 9:00 A.M. - 5:00 P.M.
Gaithersburg
555 Quince Orchard Rd, Gaithersburg, MD, 20878
Monday - Friday: 9:00 A.M - 5:00 P.M.
Silver Spring
10157 New Hampshire Ave, Silver Spring, MD, 20903
Monday - Friday: 9:00 A.M. - 5:00 P.M.
Gaithersburg Inside ATM
555 Quince Orchard Rd, Gaithersburg, MD, 20878-1437
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<a href="https://bankscorer.com/credit-union/mid-atlantic" target="_blank" rel="noopener">View MID-ATLANTIC on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
'22
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'26
2021–2025 locked
Full 2021–present history available — see pricing from $14/mo.