Federal credit union · CUMBERLAND, Maryland · NCUA charter #13345
First Peoples Community
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $637.0M
- Total assets
- 34,478
- Members
- 13.5%
- Net-worth ratio
First Peoples Community scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $637.0M; members 34,478; net-worth ratio 13.46%; health rank #161 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#161 of 4,374 health · 2025Q4First Peoples Community · health 97/100 · $637.0M · 2025Q4
- HEALTH 97/100
- NW 13.5%
- DELQ 0.53%
- ROA 0.99%
- ASSETS $637.0M
- MEM 34,478
- RANK #161/4,374
- PHOTO SECURITY
- BOOK 13345
Call Report peers
First Peoples Community in the assets neighbourhood
First Peoples Community's $637.0M assets sit next to SECURITY ($638.0M) 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 Peoples Community 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
97 Top 5% higher than 95% 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 Peoples Community - Share Insurance Coverage
Charter #13345's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
First Peoples Community: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 87.07% vs peer 83.90% (+3.17 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Peoples Community sits in Maryland
- Maryland health ordinal: #1 of 62.
- Maryland assets place: #15 of 62.
- Maryland membership ordinal: #17 of 62.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for First Peoples Community
First Peoples Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $637.0M (2025Q4) to $659.9M (2026Q1).
- Net-worth ratio shifted -0.18 pp (13.64% → 13.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.46% | +2.28 pp |
| Delinquency Rate | 0.53% | -0.34 pp |
| Return on Assets | 0.99% | +0.49 pp |
| Member Growth | 2.79% | - |
| Loan-to-Share Ratio | 87.07% | +3.17 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).
First Peoples Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $659.9M | - |
| 2025Q4 | $637.0M | 34,478 |
| 2024Q4 | $606.5M | 33,541 |
| 2023Q4 | $579.2M | 33,207 |
Credit Union Details
- Charter Number
- 13345
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Maryland
- City
- CUMBERLAND
- Data Quarter
- 2025Q4
Branch Locations (21)
First Peoples Community operates 21 offices across 18 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Downtown (Main Office) | CUMBERLAND, MD |
| Accident | Accident, MD |
| Berlin | Berlin, PA |
| Cresaptown | CRESAPTOWN, MD |
| Administrative Center | Cresaptown, MD |
| Queen City Drive | CUMBERLAND, MD |
| Industrial Boulevard | Cumberland, MD |
| SPRING STREET | Cumberland, MD |
| Mechanic Street | Cumberland, MD |
| Bedford Plaza | Everett, PA |
| Frostburg | FROSTBURG, MD |
| Grantsville | GRANTSVILLE, MD |
| Keyser | Keyser, WV |
| LaVale - National Highway | Lavale, MD |
| Lonaconing | LONACONING, MD |
| Meyersdale | MEYERSDALE, PA |
| Oakland | Oakland, MD |
| Short Gap | Ridgeley, WV |
| ABL Branch | Rocket Center, WV |
| Somerset | Somerset, PA |
| Warfordsburg | Warfordsburg, PA |
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.
Cross-state Call Report peers for First Peoples Community
First Peoples Community's nationwide photo peers by assets and by health score, excluding Maryland charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($637.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- First Peoples Community ranks #161 of 4,374 nationally on financial health and #1 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Johns Hopkins is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Johns Hopkins
- 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 Peoples Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Peoples Community carries a financial health score of 97/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #161 of 4,374; by total assets it ranks #657 of 4,374 nationally (same basis as /rankings/largest); and #15 of 62 within Maryland. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.46% net worth ratio and a 0.53% delinquency rate.
How does First Peoples Community compare to other credit unions?
Five weighted metrics from NCUA filings produce First Peoples Community's 97/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Peoples Community?
First Peoples Community 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 Peoples Community directly for the exact boundaries and application steps.
Is my money safe at First Peoples Community?
Federal credit unions like First Peoples Community 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 Peoples Community's net worth ratio of 13.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Peoples Community offer compared to banks?
Credit unions like First Peoples Community 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 Peoples Community 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.