Federal credit union · Sparks, Maryland · NCUA charter #8554
First Financial of Maryland
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $1.36B
- Total assets
- 77,416
- Members
- 16.8%
- Net-worth ratio
First Financial of Maryland scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.36B; members 77,416; net-worth ratio 16.79%; health rank #460 of 4,374; healthier than 87th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#460 of 4,374 health · 2025Q4First Financial of Maryland · health 94/100 · $1.36B · 2025Q4
- RANK 94/100
- PHOTO 16.8%
- BOOK 0.52%
- CHARTER 0.14%
- NCUSIF $1.36B
- CAMELS 77,416
- HEALTH #460/4,374
- NW VIBE
- DELQ 8554
Call Report peers
First Financial of Maryland in the assets neighbourhood
First Financial of Maryland's $1.36B assets sit next to VIBE ($1.36B) 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.
First Financial of Maryland 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
94 Top 13% higher than 87% 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
First Financial of Maryland - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #8554: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
First Financial of Maryland: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 16.79% here, 11.18% peer average (+5.61 pp).
- Loan-to-Share Ratio trails the peer set - 76.68% here, 83.90% peer average (-7.22 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
First Financial of Maryland: in-state Call Report ranks
- Health composite ranks #5 of 62 among scored Maryland credit unions.
- Assets rank #7 of 62 inside Maryland ($1.36B reported).
- Membership ranks #8 of 62 among Maryland CUs with a reported count (77,416 members).
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Financial of Maryland Call Report trajectory
First Financial of Maryland: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $1.36B (2025Q4) to $1.42B (2026Q1).
- Net-worth ratio shifted -0.71 pp (17.50% → 16.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.79% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 9.6 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.79% | +5.61 pp |
| Delinquency Rate | 0.52% | -0.36 pp |
| Return on Assets | 0.14% | -0.37 pp |
| Member Growth | 7.80% | - |
| Loan-to-Share Ratio | 76.68% | -7.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - First Financial of Maryland
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.42B | - |
| 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
Branch Locations (10)
Per its most recent NCUA branch filing, First Financial of Maryland runs 10 offices in 9 different cities.
| Office | City |
|---|---|
| Loveton (Main Office) | Sparks, MD |
| Golden Ring | Baltimore, MD |
| Fullerton | Baltimore, MD |
| Catonsville | Catonsville, MD |
| Elkton | Elkton, MD |
| Heaver Plaza | Lutherville, MD |
| Owings Mills | Owings Mills, MD |
| Pocomoke City | Pocomoke City, MD |
| St. Joseph Branch | Towson, MD |
| Westminster | Westminster, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
- EDUCATIONAL SYSTEMSGreenbelt, MD · Over $500M85Health
- MUNICIPAL EMPL.CREDIT UNION OF BALTBALTIMORE, MD · Over $500M70Health
- POINT BREEZEHunt Valley, MD · Over $500M93Health
- CEDAR POINTLEXINGTON PARK, MD · Over $500M94Health
- NATIONAL INSTITUTES OF HEALTHRockville, MD · Over $500M75Health
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for First Financial of Maryland, 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 ($1.36B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- First Financial of Maryland ranks #460 of 4,374 nationally on financial health and #5 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Educational Systems is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Educational Systems
- 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 First Financial of Maryland financially healthy?
First Financial of Maryland scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #460 of 4,374; by total assets it ranks #366 of 4,374 nationally (same basis as /rankings/largest); and #7 of 62 within Maryland. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.79% net worth ratio and a 0.52% delinquency rate.
How does First Financial of Maryland compare to other credit unions?
94/100 is First Financial of Maryland's score on PlainCU's health composite, compared to a peer group average for Over $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 First Financial of Maryland?
First Financial of Maryland 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 First Financial of Maryland directly for the exact boundaries 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 16.79% 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.
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.