Overview / Commentary
410-337-1319
7601 Osler Dr
Towson, MD 21204

St. Joseph Medical Center Federal Credit Union is headquartered in Towson and is the 60th largest credit union in the state of Maryland. It is also the 3,612th largest credit union in the nation. It was established in 1968 and as of December of 2018, it had grown to 2 employees and 1,904 members at 1 location. St. Joseph Medical Center Federal Credit Union's CD rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

St. Joseph Medical Center Federal Credit Union is open to doctors, volunteers, medical staff and other employees of UMMSJMC, and employees working in Dietary and Housekeeping. Family of current credit union members are also welcome to join.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. St. Joseph Medical Center Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #18651
Year Chartered1968
Employees2
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD4.16%
Annual Interest Income$443.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$15.5MM$15.5MM
LoansQ4 2018vs Q4 2017$7.1MM$6.5MM
DepositsQ4 2018vs Q4 2017$13.2MM$13.3MM
Equity CapitalQ4 2018vs Q4 2017$2.3MM$2.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$42.00K$29.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$47.00K$33.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

St. Joseph Medical Center Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Share Accounts
OTHER TIERS: 0.40% $25 - $50k | 0.45% $50k - $100k
0.50%--Christmas Club
0.50%--Vacation Club

St. Joseph Medical Center Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.26%$100-Share Draft Account

St. Joseph Medical Center Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%$500-36 Month Share Certificate
2.30%$500-24 Month Share Certificate
2.10%$500-12 Month Share Certificate
Locations


St. Joseph Medical Center Federal Credit Union Locations
Branch Office7601 Osler DrTowson, MD 21204

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