Credit Union
FIRST FINANCIAL OF MARYLAND
Health Score
88/100
Total Assets
$1.36B
Members
77,416
Sparks, Maryland
2026 data Public-data reference. official source

FIRST FINANCIAL OF MARYLAND

Open-data reference.

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Sparks, Maryland · Charter #8554 · Federal Credit Union
88
Health Score
Excellent

Health Score

88/100

PlainCU 5-factor composite (NCUA 5300 Call Report)

Charter #

8554

NCUA-issued institution identifier

Source

NCUA

Quarterly 5300 Call Report — 2025Q4

FIRST FINANCIAL OF MARYLAND — Share Insurance Coverage

Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.

NCUSIF coverage gauge for FIRST FINANCIAL OF MARYLAND Share insurance under NCUSIF covers up to $250,000 per share owner. FIRST FINANCIAL OF MARYLAND holds approximately $1.1B in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 17.1 percent. Share Insurance Coverage Federal NCUSIF — $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 17.1% · $1.1B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 — share insurance under Title II of the Federal Credit Union Act

FIRST FINANCIAL OF MARYLAND — Five Health Pillars

Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.

Health Pillars (0-100)

Health Pillars (0-100) Horizontal bar chart of the top 5 items by value. Health Pillars (0-100) Top 5 1. Net Worth 17.13% 2. Loan Quality 0.52% delinq 3. ROA 0.00% 4. Member Growth 7.80% 5. Liquidity 77% LTS Source: NCUA 5300 Call Report — calculations per PlainCU methodology
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

At 17.13%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$1.36B
Total Assets
77,416
Members
$867.5M
Total Loans
$1.13B
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 17.13% 30%
Delinquency Rate 0.52% 25%
Return on Assets 0.00% 15%
Member Growth 7.80% 15%
Loan-to-Share Ratio 76.68% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $1.36B 77,416
2024Q4 $1.25B 71,814
2023Q4 $1.25B 66,718

Credit Union Details

Charter Number
8554
Type
Federal
Field of Membership
Community
Peer Group
Over $500M
State
Maryland
City
Sparks
Data Quarter
2025Q4

What This Data Says About FIRST FINANCIAL OF MARYLAND

FIRST FINANCIAL OF MARYLAND is a federal credit union headquartered in Sparks, Maryland, serving 77,416 members with $1.36B in total assets and $867.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 88/100 (Excellent), anchored by a net worth ratio of 17.13% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #8554 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 0.52% measures loans 60+ days past due against total loans outstanding — the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 76.68% indicates how aggressively member deposits are being deployed into lending — within the 60–80% range most industry analysts consider optimally balanced between yield and liquidity.

Every deposit account at FIRST FINANCIAL OF MARYLAND is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by 7.80%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with FIRST FINANCIAL OF MARYLAND before opening any account or borrowing.

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Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is FIRST FINANCIAL OF MARYLAND financially healthy?

FIRST FINANCIAL OF MARYLAND has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.13% and delinquency rate of 0.52%.

How does FIRST FINANCIAL OF MARYLAND compare to other credit unions?

FIRST FINANCIAL OF MARYLAND scores 88/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 FIRST FINANCIAL OF MARYLAND?

Membership eligibility for FIRST FINANCIAL OF MARYLAND depends on its field of membership — currently: Community. Credit unions typically require a common bond such as employer, location, or association membership. Contact FIRST FINANCIAL OF MARYLAND directly for current membership requirements and application steps.

Is my money safe at FIRST FINANCIAL OF MARYLAND?

Federal credit unions like FIRST FINANCIAL OF MARYLAND 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. FIRST FINANCIAL OF MARYLAND's net worth ratio of 17.13% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does FIRST FINANCIAL OF MARYLAND offer compared to banks?

Credit unions like FIRST FINANCIAL OF MARYLAND 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 FIRST FINANCIAL OF MARYLAND directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology — how this data is sourced, computed, and verified.