Side-by-side · Q2 2026 data
Act 1st Federal Credit Union vs First Peoples Community Federal Credit Union
Credit union
First Peoples Community Federal Credit Union
Cumberland, Maryland · $100 million – $1 billion
Metric by metric
| Measure | Act 1st Federal Credit Union | First Peoples Community Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 80 (stronger) |
| Capital cushion | 31 | 86 (stronger) |
| Loan quality | 49 | 82 (stronger) |
| Earnings | 50 | 65 (stronger) |
| Funding & liquidity | 81 (stronger) | 74 |
| Problem-loan coverage | 73 | 94 (stronger) |
| Peer percentile | 7th | 78th |
| Total assets | $149.7M | $666.1M |
| Deposits / shares | $137.2M | $560.0M |
| Capital ratio | 8.07% | 13.61% (stronger) |
| Problem loans | 1.53% | 0.53% (stronger) |
| Net charge-offs | 0.76% | 0.15% (stronger) |
| Return on assets | 0.74% | 1.14% (stronger) |
| Loans ÷ deposits | 79.1% (stronger) | 86.1% |
| Uninsured deposits | 4.0% (stronger) | 5.2% |
| Offices | 1 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
First Peoples Community Federal Credit Union has the higher TellerScore (80 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Act 1st Federal Credit Union leads on 2 and First Peoples Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- LaVale, MD