Side-by-side · Q2 2026 data
First Financial of Maryland Federal Credit Union vs Har-Co Credit Union
Credit union
First Financial of Maryland Federal Credit Union
Sparks, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | First Financial of Maryland Federal Credit Union | Har-Co Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 82 (stronger) | 52 |
| Earnings | 33 | 46 (stronger) |
| Funding & liquidity | 82 | 85 (stronger) |
| Problem-loan coverage | 96 (stronger) | 80 |
| Peer percentile | 86th | 14th |
| Total assets | $1.4B | $286.4M |
| Deposits / shares | $1.2B | $257.0M |
| Capital ratio | 16.73% (stronger) | 9.74% |
| Problem loans | 0.54% (stronger) | 1.43% |
| Net charge-offs | 0.45% | 0.27% (stronger) |
| Return on assets | 0.33% | 0.64% (stronger) |
| Loans ÷ deposits | 78.6% | 74.8% (stronger) |
| Uninsured deposits | 5.8% (stronger) | 8.4% |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | 4.8% |
First Financial of Maryland Federal Credit Union has the higher TellerScore (79 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Financial of Maryland Federal Credit Union leads on 4 and Har-Co Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.