Federal credit union · Sparks, Maryland · NCUA charter #8554
First Financial of Maryland
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $1.36B
- Total assets
- 77,416
- Members
- 17.1%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)99
- Earnings (ROA)64
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
17.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.13% | 30% |
| Delinquency Rate | 0.52% | 25% |
| Return on Assets | 0.14% | 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
Headquartered in Sparks, Maryland, First Financial of Maryland is a federal credit union with 77,416 members, $1.36B in total assets, and $867.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 94/100 (Excellent), driven in part by a net worth ratio of 17.13% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #8554 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds 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. 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. Return on assets stands at 0.14% on net income of $1.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 7.80%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 $500M84Health
- 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 $500M74Health
Sources & disclaimer
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 scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.13% 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 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.
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.