Greater Baltimore's credit unions wrapped up 2025 sitting on more than $13 billion in combined deposits, chalking up roughly 4% year-over-year growth, according to a new local leaderboard. The ranking spotlights the 20 cooperatives in the metro area that pulled in the biggest deposit gains in the year ending Dec. 31, 2025, giving members and neighborhood small businesses a peek at which hometown co-ops are racking up fresh savings and bulking up their balance sheets.
How the ranking was compiled
As reported by Baltimore Business Journal, the list was produced by Ben Terzi and published today. It is ordered by year-over-year dollar change in deposits and is based on National Credit Union Administration call-report data. The online version stretches beyond the print package, adding 11 more institutions to the nine that appeared in the newspaper, and the outlet notes it was unable to independently verify every data point.
Numbers in a national context
The local gains are unfolding against a backdrop of solid growth across the country. In its Quarterly Credit Union Data Summary for the fourth quarter of 2025, insured shares and deposits rose by about $83 billion nationally, or roughly 4.7% year-over-year, and total system assets climbed to $2.43 trillion, according to NCUA. That comparison suggests Greater Baltimore’s roughly 4% deposit bump is moving in step with, if slightly under, the broader sector uptrend.
Who’s powering the growth locally
Heavy hitters are doing a lot of the lifting. Analyses indicate that Andrews Federal and Municipal Employees Credit Union of Baltimore account for a sizable share of Maryland’s credit union assets, with Andrews Federal at around $2.47 billion and MECU at roughly $1.26 billion, according to HBCU Money. At the same time, smaller community co-ops and lean, branch-light or digital-first outfits also show up among the fastest growers, reflecting everything from membership pushes to targeted deposit campaigns and homegrown partnerships.
Why members and businesses should care
These deposit gains are more than scoreboard fodder. Credit unions in Maryland stepped up commercial lending through 2025, a trend that can fatten margins while reshaping risk profiles. Credit-union lending in the state reached about $6.2 billion in fiscal 2025, according to The Daily Record, which also reports brisk growth in multifamily and other commercial originations.
Where to find the full ranking
Terzi’s rundown names the 20 fastest-growing credit unions by deposit gains. Members, competitors, and market watchers can see the complete breakdown in the Baltimore Business Journal online package. Observers will be tracking whether these swelling deposit bases translate into new branches, broader lending programs, or consolidation plays in 2026 as co-ops chase scale and regulators keep an eye on risk.
