Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 5 Aug 2014 |
| RSSD ID | 572794 |
| Address | One South Street, Baltimore, MD 21202 Directions (Google Maps) |
| Website | www.mecu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.mecu.com or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$9.8 million in 6 awards from the U.S. Treasury's CDFI Fund, 2016–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $660,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $757,500 |
| 2018 | CDFI Program, Financial Assistance | $875,000 |
| 2016 | CDFI Program, Financial Assistance | $2,000,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as MUNICIPAL EMPL.CREDIT UNION OF BALT (charter 66787). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1.3 billion (as of 30 Jun 2026) |
|---|---|
| Members | 91,110 (as of 30 Jun 2026) |
| Offices | 10 (as of 30 Jun 2026) |
Offices by state and county (10)
Maryland (10 offices)
- Baltimore City (5): 1 South St, Baltimore 21202 (main office); 1 South St, Baltimore 21202; 2337 E Northern Pkwy, Baltimore 21214; 312 Martin Luther King Jr Blvd, Baltimore 21201; 4801 Seton Dr, Baltimore 21215
- Baltimore County (5): 8507 Loch Raven Blvd, Baltimore 21286; 5910 Baltimore National Pike, Catonsville 21228; 7220 Holabird Ave, Dundalk 21222; 1777 Reisterstown Rd, Pikesville 21208; 8700 Liberty Rd, Randallstown 21133
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Municipal Employees Credit Union of Baltimore, Incorporated d/b/a MECU (NCUA charter 66787, filed as “MUNICIPAL EMPL.CREDIT UNION OF BALT”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $800.9 million, 36,799 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 0.7% from $806.1 million on 30 Jun 2025 |
| Members | 91,110 (as of 30 Jun 2026); 96,390 (as of 30 Jun 2025) |
| Loans per member | $8,790 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.27 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $37.7 million | 4.7% |
| Used vehicle loans | $162 million | 20.2% |
| First-lien home mortgages (1-4 family) | $256.9 million | 32.1% |
| Other real estate loans (junior liens, other) | $81.1 million | 10.1% |
| Commercial (business) loans | $181.5 million | 22.7% |
| Credit cards | $33.7 million | 4.2% |
| Other unsecured loans | $42.2 million | 5.3% |
| Leases and other secured loans | $5.8 million | 0.7% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Municipal Employees Credit Union of Baltimore, Incorporated d/b/a MECU reported 163 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $45.6M (median loan about $235,000). 74 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 74 | 45% |
| Refinance (incl. 33 cash-out) | 51 | 31% |
| Home improvement | 20 | 12% |
| Other purpose | 18 | 11% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 161 | 99% |
Where the loans were made
Counties with the most 2025 originations, out of 21 counties with at least one; 93% of its 2025 loans were for properties in Maryland:
- Baltimore City, MD (62)
- Baltimore County, MD (46)
- Howard County, MD (13)
- Anne Arundel County, MD (11)
- Harford County, MD (8)
- Carroll County, MD (3)
Filed under LEI 549300X7J20OLLSGTZ36 as “MUNICIPAL EMPLOYEES CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.27 billion | Larger than 88% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 63% | Median of the same 284 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $806.1 million → $800.9 million (-1%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 43 → 45. |
| Home loans originated in 2025 (HMDA) | 163 | More than 62% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 88% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 43 → 45 of 283 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 62% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Baltimore and Maryland
- Baltimore Community Lending, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Affordable housing development loans, Small-business loansVerified
- Harbor Bank of MarylandBank or thrift · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Harbor Bank of Maryland Community Development CorporationLoan fund · Baltimore, MDEquity / venture investmentVerified
- HARBOR BANKSHARES CORPORATIONBank holding company · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Neighborhood Housing Services of Baltimore, Inc.Loan fund · Baltimore, MDHome repair / improvement loans, Home mortgagesVerified
- Neighborhood Impact Investment Fund, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Small-business loansVerified
- New American Community Lending CorporationLoan fund · Baltimore, MDOfficial list only
Work at Municipal Employees Credit Union of Baltimore, Incorporated d/b/a MECU? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.