Side-by-side · Q2 2026 data
ACNB Bank vs First Financial of Maryland Federal Credit Union
Credit union
First Financial of Maryland Federal Credit Union
Sparks, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | ACNB Bank | First Financial of Maryland Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 79 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 87 (stronger) | 82 |
| Earnings | 92 (stronger) | 33 |
| Funding & liquidity | 58 | 82 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 83rd | 86th |
| Total assets | $3.3B | $1.4B |
| Deposits / shares | $2.6B | $1.2B |
| Capital ratio | 11.25% | 16.73% (stronger) |
| Problem loans | 0.40% (stronger) | 0.54% |
| Net charge-offs | 0.01% (stronger) | 0.45% |
| Return on assets | 1.80% (stronger) | 0.33% |
| Loans ÷ deposits | 94.2% | 78.6% (stronger) |
| Uninsured deposits | 22.4% | 5.8% (stronger) |
| Offices | 31 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 13.0% |
First Financial of Maryland Federal Credit Union has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 3 and First Financial of Maryland Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.