Side-by-side · Q2 2026 data
Somerset Trust Company 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 | Somerset Trust Company | First Peoples Community Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 80 (stronger) |
| Capital cushion | 41 | 86 (stronger) |
| Loan quality | 50 | 82 (stronger) |
| Earnings | 66 (stronger) | 65 |
| Funding & liquidity | 62 | 74 (stronger) |
| Problem-loan coverage | 78 | 94 (stronger) |
| Peer percentile | 13th | 78th |
| Total assets | $2.5B | $666.1M |
| Deposits / shares | $2.0B | $560.0M |
| Capital ratio | 9.10% | 13.61% (stronger) |
| Problem loans | 1.49% | 0.53% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.15% |
| Return on assets | 1.16% (stronger) | 1.14% |
| Loans ÷ deposits | 80.2% (stronger) | 86.1% |
| Uninsured deposits | 31.2% | 5.2% (stronger) |
| Offices | 49 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | 5.8% |
First Peoples Community Federal Credit Union has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Somerset Trust Company 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
- Frostburg, MD
- Meyersdale, PA
- Grantsville, MD
- Berlin, PA