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
Call Report peers
Act 1st in the assets neighbourhood
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Act 1st vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Act 1st sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Maryland, Freedom of Maryland (#33) scores 80/100, 1 point higher; one place down, 1897 (#35) scores 78/100, 1 point lower.
Act 1st Call Report trajectory
Act 1st: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $145.2M (2025Q4) to $150.3M (2026Q1).
- Net-worth ratio shifted -0.15 pp (7.93% → 7.78%).
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
Act 1st gives up 21 points in total. Delinquency Rate costs the most, 9.5 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Act 1st financially healthy?
On its 2025Q4 NCUA 5300 filing, Act 1st scores 79/100 (Very Good), with a 7.78% net worth ratio and 1.60% of loans delinquent. It ranks #2,907 of 4,374 nationally on health and #34 of 62 in Maryland.
How does Act 1st compare to other credit unions?
Act 1st scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.74% vs 72.20%). Its widest shortfall is net worth ratio (7.78% vs 12.11%).
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?
Act 1st is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.