Side-by-side · Q2 2026 data
The Bank of Romney 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 | The Bank of Romney | First Peoples Community Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 42 | 82 (stronger) |
| Earnings | 75 (stronger) | 65 |
| Funding & liquidity | 66 | 74 (stronger) |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 57th | 78th |
| Total assets | $368.8M | $666.1M |
| Deposits / shares | $283.5M | $560.0M |
| Capital ratio | 15.97% (stronger) | 13.61% |
| Problem loans | 1.73% | 0.53% (stronger) |
| Net charge-offs | 0.23% | 0.15% (stronger) |
| Return on assets | 1.37% (stronger) | 1.14% |
| Loans ÷ deposits | 94.2% | 86.1% (stronger) |
| Uninsured deposits | 12.5% | 5.2% (stronger) |
| Offices | 7 | 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 74). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Romney 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.