FERKO MD
Federal • Frederick, Maryland • Est. 1955
Quick Facts
- Charter Number
- #10381
- Type
- Federal
- Established
- 1955
- Headquarters
- Frederick, Maryland 21702
- Address
- PO Box 1478
- Branches
- 2
- Members
- 3,050
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
3,050 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FERKO MD |
|---|---|
| Total Assets | $28.8M |
| Members | 3,050 |
| Loans Outstanding | $11.0M |
| Shares & Deposits | $23.2M |
| Net Worth | $5.6M |
| Net Worth Ratio | 19.31% |
| Loan-to-Share Ratio | 47.2% |
| Delinquency Rate | 0.58% |
| Net Income | +$526,403 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
502 W Patrick St
Main Office502 W Patrick St
Frederick, MD 21701
8348 Corporate Drive
8348 Corporate Dr
Mount Pleasant, WI 53406
Who Can Join FERKO MD?
Membership Type: Community
Membership eligibility for FERKO MD may vary. Contact the credit union directly to confirm qualification requirements.
Contact FERKO MD directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Maryland RankingsFrequently Asked Questions
Yes. FERKO MD is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FERKO MD has 3,050 members and a potential membership field of 5,000 people.
FERKO MD's net worth ratio is 19.31% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 19.3%, FERKO MD meets this threshold.
FERKO MD operates 2 branch locations. The main office is located at 502 W Patrick St, Frederick, MD 21701.
FERKO MD was established in 1955. It is a federal credit union chartered under charter number 10381. The institution has been serving members for 71 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FERKO MD. All financial data is for informational purposes only.