credit union

Apl

Laurel, MD · Est. 1954
A
Trust Grade
Excellent
Score: 91/100

Apl is a credit union based in Laurel, Maryland, established in 1954, with $709 million in total assets serving 31,150 members. By Trust Grade it ranks 33rd of 61 credit unions we track in Maryland. Its net worth ratio of 11.5% is stronger than 54% of similarly sized credit unions, versus a Maryland median of 11.9%. It was profitable over the most recent period, with a 0.38% return on assets. No consumer complaints against Apl appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$709.5M
$100M–1B institution
Members
31,150
Shares & deposits
—
Net worth ratio
11.5%
Top 46% of $100M–1B peers · Maryland median 11.9%
Return on assets
0.4%
Bottom 28% of $100M–1B peers · Maryland median 0.49%
Rank in Maryland
#33
of 61 credit unions

How Apl compares to Maryland peers

Net worth ratio
Top 46% of $100M–1B peers
Apl
11.5%
Maryland median
11.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 28% of $100M–1B peers
Apl
0.4%
Maryland median
0.5%
Higher ROA = more profitable relative to asset base

How we graded Apl

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
91/100
Customer experience
n/a
Overall
A · 91
  • Strongly capitalized (11.5% capital ratio)
  • Profitable (ROA 0.38%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Apl over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Apl insured?

Yes. Apl is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Apl: frequently asked questions

Is Apl a good credit union?

Apl earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Strongly capitalized (11.5% capital ratio); Profitable (ROA 0.38%).

Is Apl NCUA-insured?

Yes. Apl is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Apl?

Apl holds $709 million in total assets, ranking 33rd of 61 credit unions we track in Maryland. It serves 31,150 members.

Does Apl have CFPB complaints?

No CFPB complaints against Apl appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

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credit union · Rockville, MD · $825M assets
Freedom Of Maryland
credit union · Bel Air, MD · $564M assets
Peake
credit union · Towson, MD · $534M assets

Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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