Side-by-side · Q2 2026 data
First United Bank & Trust 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 | First United Bank & Trust | First Peoples Community Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 66 | 86 (stronger) |
| Loan quality | 90 (stronger) | 82 |
| Earnings | 70 (stronger) | 65 |
| Funding & liquidity | 63 | 74 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 77th | 78th |
| Total assets | $2.1B | $666.1M |
| Deposits / shares | $1.7B | $560.0M |
| Capital ratio | 11.56% | 13.61% (stronger) |
| Problem loans | 0.31% (stronger) | 0.53% |
| Net charge-offs | 0.04% (stronger) | 0.15% |
| Return on assets | 1.25% (stronger) | 1.14% |
| Loans ÷ deposits | 89.0% | 86.1% (stronger) |
| Uninsured deposits | 22.7% | 5.2% (stronger) |
| Offices | 22 | 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 75). On the 7 directional measures above (where higher or lower is clearly better), First United Bank & Trust 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.
Where both have branches
- Cumberland, MD
- Grantsville, MD
- Keyser, WV