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
Call Report peers
First Financial of Maryland in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); First Financial of Maryland sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Maryland, APL (#4) scores 95/100, 1 point higher; one place down, State Employees Cu of Maryland, Inc (#6) ties at 94/100.
First Financial of Maryland Call Report trajectory
First Financial of Maryland: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $1.36B (2025Q4) to $1.42B (2026Q1).
- Net-worth ratio shifted -0.71 pp (17.50% → 16.79%).
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
First Financial of Maryland gives up 6 points in total. Return on Assets costs the most, 5.4 of its 15; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is First Financial of Maryland financially healthy?
On its 2025Q4 NCUA 5300 filing, First Financial of Maryland scores 94/100 (Excellent), with a 16.79% net worth ratio and 0.52% of loans delinquent. It ranks #460 of 4,374 nationally on health and #5 of 62 in Maryland.
How does First Financial of Maryland compare to other credit unions?
First Financial of Maryland scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (16.79% vs 11.18%). Its widest shortfall is loan-to-share ratio (76.68% vs 83.90%).
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?
First Financial of Maryland 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. First Financial of Maryland's net worth ratio of 16.79% 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.