First Financial of Maryland Federal Credit Union (NCUA charter #8554) is based in Sparks, Maryland. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in member shares and deposits and 10 offices.
Based on its Q2 2026 filing, First Financial of Maryland Federal Credit Union scores 79/100, which we describe as strong. That is higher than 86% of 454 credit unions with $1 billion – $10 billion. Among 60 credit unions headquartered in Maryland, it ranks 14th. Its strongest component is capital cushion (100/100; 16.73%), and its lowest is earnings (33/100; 0.33%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 79).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 80 |
| Q4 2024 | 79 |
| Q1 2025 | 81 |
| Q2 2025 | 80 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 81 |
| Q2 2026 | 79 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 18.18% |
| Q3 2024 | 18.32% |
| Q4 2024 | 18.43% |
| Q1 2025 | 17.78% |
| Q2 2025 | 17.70% |
| Q3 2025 | 17.70% |
| Q4 2025 | 17.50% |
| Q1 2026 | 16.79% |
| Q2 2026 | 16.73% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.43% |
| Q2 2026 | 0.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $1.4B | 16.73% | 0.54% | 0.33% | 78.6% |
| Q1 2026 | 81 | $1.4B | 16.79% | 0.43% | 0.37% | 75.3% |
| Q4 2025 | 79 | $1.4B | 17.50% | 0.52% | 0.20% | 76.7% |
| Q3 2025 | 79 | $1.3B | 17.70% | 0.43% | 0.16% | 78.5% |
| Q2 2025 | 80 | $1.3B | 17.70% | 0.35% | 0.17% | 76.5% |
| Q1 2025 | 81 | $1.3B | 17.78% | 0.24% | 0.22% | 76.3% |
| Q4 2024 | 79 | $1.3B | 18.43% | 0.39% | 0.16% | 77.5% |
| Q3 2024 | 80 | $1.3B | 18.32% | 0.30% | 0.11% | 75.5% |
| Q2 2024 | 80 | $1.3B | 18.18% | 0.36% | 0.10% | 71.0% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Educational Systems Federal Credit UnionCredit union Greenbelt, MD | 69 out of 100, Moderate | $1.4B | 10.8% | 0.52% | vs |
| Municipal Empl.Credit Union of BaltCredit union Baltimore, MD | 62 out of 100, Moderate | $1.3B | 13.0% | 1.66% | vs |
| Point Breeze Credit UnionCredit union Hunt Valley, MD | 78 out of 100, Strong | $1.1B | 14.0% | 0.32% | vs |
| Lafayette Federal Credit UnionCredit union Rockville, MD | 53 out of 100, Below average | $2.1B | 12.4% | 2.33% | vs |
| Andrews Federal Credit UnionCredit union Suitland, MD | 53 out of 100, Below average | $2.7B | 10.6% | 1.51% | vs |
| Aberdeen Proving Ground Federal Credit UnionCredit union Aberdeen, MD | 64 out of 100, Moderate | $2.7B | 9.3% | 0.53% | vs |
Deposit insurance
Is my money safe at First Financial of Maryland Federal Credit Union?
Yes. First Financial of Maryland Federal Credit Union is a federally insured credit union (NCUA charter #8554). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.8% of shares and deposits ($68.9M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 16.73%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
10 locations
Branches
First Financial of Maryland Federal Credit Union lists 10 offices in 9 cities. Most locations:
- Baltimore, MD (2)
- Catonsville, MD (1)
- Elkton, MD (1)
- Lutherville, MD (1)
- Owings Mills, MD (1)
- Pocomoke City, MD (1)
- Sparks, MD (1)
- Towson, MD (1)
- Westminster, MD (1)
HMDA 2025
Mortgage lending
In 2025, First Financial of Maryland Federal Credit Union reported 734 home-loan applications under HMDA (LEI 549300C5JF1UNQK9KC45): 578 originated ($89,130,000 total), 90 denied, and 43 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- First Financial of Maryland Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8554
- RSSD ID
- 256786
- Primary regulator
- NCUA
- Established
- 1953
- Headquarters
- 72 Loveton Cir, Sparks, MD 21152
- Employees
- 196
Quick answers
First Financial of Maryland Federal Credit Union: common questions
Is First Financial of Maryland Federal Credit Union NCUA insured?
Yes. First Financial of Maryland Federal Credit Union is a federally insured credit union (NCUA charter #8554). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is First Financial of Maryland Federal Credit Union's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does First Financial of Maryland Federal Credit Union have?
10 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sparks
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Glatco Credit UnionCredit union Spring Grove, PA | 90 out of 100, Very strong | $54.1M | 16.2% | 0.79% | vs |
| Members 1st Federal Credit UnionCredit union Enola, PA | 88 out of 100, Very strong | $8.7B | 15.1% | 0.73% | vs |
| Tower Federal Credit UnionCredit union Laurel, MD | 83 out of 100, Strong | $5.0B | 14.3% | 0.39% | vs |
| Lm Federal Credit UnionCredit union Baltimore, MD | 83 out of 100, Strong | $60.3M | 12.4% | 0.14% | vs |
| 1st Ed Credit UnionCredit union Chambersburg, PA | 83 out of 100, Strong | $138.2M | 15.9% | 0.50% | vs |
| BayVanguard BankBank Baltimore, MD | 80 out of 100, Strong | $868.7M | 17.1% | 0.48% | vs |