Side-by-side · Q2 2026 data
Woodsboro Bank vs First Financial of Maryland Federal Credit Union
Credit union
First Financial of Maryland Federal Credit Union
Sparks, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | Woodsboro Bank | First Financial of Maryland Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 79 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 97 (stronger) | 82 |
| Earnings | 65 (stronger) | 33 |
| Funding & liquidity | 74 | 82 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 43rd | 86th |
| Total assets | $483.3M | $1.4B |
| Deposits / shares | $445.9M | $1.2B |
| Capital ratio | 8.77% | 16.73% (stronger) |
| Problem loans | 0.09% (stronger) | 0.54% |
| Net charge-offs | -0.02% (stronger) | 0.45% |
| Return on assets | 1.11% (stronger) | 0.33% |
| Loans ÷ deposits | 76.2% (stronger) | 78.6% |
| Uninsured deposits | 24.1% | 5.8% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | 13.0% |
First Financial of Maryland Federal Credit Union has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Woodsboro Bank leads on 4 and First Financial of Maryland Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.