Chances Im actually balding

[malone]

Im 20 years old and have had thick hair my whole life. Nobody on either side of my family have shown any signs of balding until past age 40, and all still have a decent amount of hair. It was recently pointed out on a windy day that my hair has certainly receded above the temples creating the M look. My crown looks slightly thin but thinking its more of a cowlick. After my hairline being pointed out, I looked back and saw a pretty noticeable difference between my hairline now and 3 years ago, with it now being between NW1 and NW2. Its something nobody really would notice until I mentioned it, but it has still been bothering me the past couple of days. I have never noticed hair falling out either. What do you think the chances are I am balding, or is my hair maturing?

[BaldBearded]

Without photos... no clue!