First Peoples Community
Cumberland, MD · Charter 13345 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 20 branches
Q2 2026
$666.1MAssets
$482.2MLoans
$560.0MShares
$90.7MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 72% of credit unions under $1B in assets (rank 467 of 1683).
- Widest gap: net interest margin trails 79% of credit unions under $1B in assets (rank 1329 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.14%
Rank 467 of 1,683
Net Interest Margin
3.21%
Rank 1,329 of 1,683
Efficiency Ratio
72.33%
Rank 554 of 1,682
Equity / Assets
13.61%
Rank 731 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.35% | 0.74% | 1.18% | Beats 72% | 467 / 1,683 | | |
| Return on Equity | 8.35% | 2.67% | 5.89% | 8.74% | Beats 72% | 465 / 1,681 | | |
| Net Interest Margin | 3.21% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,329 / 1,683 | | |
| Efficiency Ratio | 72.33% | 68.91% | 78.20% | 86.93% | Beats 67% | 554 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.53% | 0.26% | 0.65% | 1.29% | Beats 58% | 714 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.61% | 10.44% | 12.89% | 16.53% | Beats 57% | 731 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.61% | 10.44% | 12.89% | 16.53% | Beats 57% | 731 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.10% | 52.61% | 69.38% | 83.50% | 80th pctl | 343 / 1,683 | | |
| Loans / Assets | 72.38% | 44.71% | 59.18% | 70.72% | 78th pctl | 365 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |