Federal credit union · LaVale, Maryland · NCUA charter #6679
Act 1st
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $145.2M
- Total assets
- 11,961
- Members
- 7.8%
- Net-worth ratio
Act 1st scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $145.2M; members 11,961; net-worth ratio 7.78%; health rank #2,907 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,907 of 4,374 health · 2025Q4Act 1st · health 79/100 · $145.2M · 2025Q4
- HEALTH 79/100
- NW 7.8%
- DELQ 1.60%
- ROA 0.40%
- ASSETS $145.2M
- MEM 11,961
- RANK #2,907/4,374
- PHOTO Medina County
- BOOK 6679
Call Report peers
Act 1st in the assets neighbourhood
Act 1st's $145.2M assets sit next to Medina County ($145.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Act 1st vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Act 1st - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #6679 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Act 1st vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 79.74% vs peer 72.20% (+7.54 pp).
- Largest lag: Net Worth Ratio at 7.78% vs peer 12.11% (-4.33 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Maryland standing for Act 1st
- In Maryland, health place is #34 of 62 on the same NCUA-ratio sort used nationally.
- Maryland assets place: #31 of 62.
- Maryland membership ordinal: #32 of 62.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Act 1st Call Report trajectory
Act 1st: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $145.2M (2025Q4) to $150.3M (2026Q1).
- Net-worth ratio shifted -0.15 pp (7.93% → 7.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.78% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 24.4 pts
- Delinquency Rate 15.5 pts
- Return on Assets 13.6 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 15.3 pts
Act 1st health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.78% | -4.33 pp |
| Delinquency Rate | 1.60% | +0.71 pp |
| Return on Assets | 0.40% | -0.22 pp |
| Member Growth | 1.00% | - |
| Loan-to-Share Ratio | 79.74% | +7.54 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Act 1st
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $150.3M | - |
| 2025Q4 | $145.2M | 11,961 |
| 2024Q4 | $142.3M | 11,843 |
| 2023Q4 | $142.9M | 12,787 |
Credit Union Details
- Charter Number
- 6679
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- LaVale
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Act 1st, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| ACT 1st Federal Credit Union - LaVale (Main Office) | LaVale, MD |
| Messick | Cumberland, MD |
| Romney | Romney, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Act 1st
Two NCUA Call Report peer sets for Act 1st, both outside Maryland so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($145.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Act 1st ranks #2,907 of 4,374 nationally on financial health and #34 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Market USA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Market USA
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Act 1st financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Act 1st carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,907 of 4,374; by total assets it ranks #1,510 of 4,374 nationally (same basis as /rankings/largest); and #31 of 62 within Maryland. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.78% net worth ratio and a 1.60% delinquency rate.
How does Act 1st compare to other credit unions?
79/100 is Act 1st's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Act 1st?
Act 1st operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Act 1st directly for the exact boundaries and application steps.
Is my money safe at Act 1st?
Federal credit unions like Act 1st are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Act 1st's net worth ratio of 7.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Act 1st offer compared to banks?
Credit unions like Act 1st are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Act 1st directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.