First Financial of Maryland Federal Credit Union Sparks Glencoe, Maryland
First Financial of Maryland Federal Credit Union is a federal credit union headquartered in Sparks Glencoe, MD, established in 1953 (NCUA charter 8554), and it is regulated and insured by the NCUA. At Q2 2026 it reported 81,365 members and total assets of $1.43B (up 8.2% from Q2 2025), the 7th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 16.73% at Q2 2026, in the well capitalized band.
Also written as First Financial of Maryland FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 8554
- Headquarters
- Sparks Glencoe, MD
- Established
- 1953
- Total assets, Q2 2026
- $1.43B
- Assets vs Q2 2025
- +8.2%
- Members, Q2 2026
- 81,365
- Net worth ratio, Q2 2026
- 16.73%
- Latest call report
- Q2 2026, NCUA 5300 · First Financial of Maryland Federal Credit Union call report
- Asset rank in state
- 7th of 58 in Maryland
- Routing number
- 255077671
- Branches
- 10
It has 5,605 more members than on June 30, 2025 (+7.4%). Its net worth ratio was down 0.97 percentage points from 17.70% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $521.3M of $930.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.54% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 16.73% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Maryland
Credit unions merged into First Financial of Maryland Federal Credit Union
Cecil County School Employees Federal Credit Union (2026) · Saint Joseph Medical Center Maryland Federal Credit Union (2025) · Wor Co Federal Credit Union (2022)
Frequently asked about First Financial of Maryland Federal Credit Union
How big is First Financial of Maryland Federal Credit Union?
At Q2 2026 it reported total assets of $1.43B and 81,365 members.
Where is First Financial of Maryland Federal Credit Union headquartered?
It is headquartered in Sparks Glencoe, MD, United States.
When was First Financial of Maryland Federal Credit Union founded?
It was established in 1953, per NCUA records.
Is First Financial of Maryland Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8554): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates First Financial of Maryland Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is First Financial of Maryland Federal Credit Union well capitalized?
Its net worth ratio was 16.73% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is First Financial of Maryland Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.54% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is First Financial of Maryland Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 78.59% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Sparks Glencoe, MD 21152
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 8554
- RSSD ID
- 256786
- Members
- 81,365
- Potential members
- 290,995
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 16.73% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.29% | 0.89% | 11th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 1.75% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.47% | 3.45% | 51st above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 82.39% | 70.59% | 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.18% | 1.68% | 85th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.54% | 0.68% | 65th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.65% | 5.12% | 22nd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 78.59% | 88.03% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.43B total assets against $1.32B; $1.18B total shares and deposits against $1.10B; $930.0M total loans against $844.5M.
$239.6M net worth against $234.4M.
16.73% net worth ratio against 17.70%.
78.59% loan-to-share ratio against 76.48%.
0.54% delinquency ratio against 0.35%.
0.29% return on assets against 0.13%; 1.75% return on equity against 0.76%.
3.47% net interest margin against 3.24%.
81,365 members against 75,760.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.73% | 0.29% | 0.54% | 78.59% |
| March 31, 2026 | 16.79% | 0.37% | 0.43% | 75.29% |
| December 31, 2025 | 17.50% | 0.36% | 0.52% | 76.68% |
| September 30, 2025 | 17.70% | 0.12% | 0.43% | 78.48% |
| June 30, 2025 | 17.70% | 0.13% | 0.35% | 76.48% |
| March 31, 2025 | 17.78% | 0.22% | 0.24% | 76.28% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.