Side-by-side · Q2 2026 data
Apl 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 | Apl Federal Credit Union | First Peoples Community Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 68 | 86 (stronger) |
| Loan quality | 84 (stronger) | 82 |
| Earnings | 65 | 65 |
| Funding & liquidity | 84 (stronger) | 74 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 68th | 78th |
| Total assets | $723.6M | $666.1M |
| Deposits / shares | $639.0M | $560.0M |
| Capital ratio | 11.84% | 13.61% (stronger) |
| Problem loans | 0.49% (stronger) | 0.53% |
| Net charge-offs | 0.14% (stronger) | 0.15% |
| Return on assets | 1.13% | 1.14% (stronger) |
| Loans ÷ deposits | 76.0% (stronger) | 86.1% |
| Uninsured deposits | 9.8% | 5.2% (stronger) |
| Offices | 3 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | 5.8% |
First Peoples Community Federal Credit Union has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Apl Federal Credit Union leads on 3 and First Peoples Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.