Credit Union Safety Analysis
Is First Financial of Maryland Federal Credit Union Safe? Sparks Glencoe, Maryland
Based on its Q2 2026 NCUA 5300 call report, First Financial of Maryland Federal Credit Union has a net worth ratio of 16.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.54%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, First Financial of Maryland Federal Credit Union's net worth ratio is 16.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.73%
- Delinquency ratio (60+ days) (Q2 2026): 0.54%
- Return on assets (Q2 2026): 0.29%
- Loan-to-share ratio (Q2 2026): 78.59%
First Financial of Maryland Federal Credit Union (NCUA charter 8554, established 1953) reported $1.43B in assets and 81,365 members for Q2 2026 from Sparks Glencoe, Maryland. It ranks 7 of 58 credit unions in Maryland by total assets. Total assets grew 8.2% from $1.32B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 16.79% for Q1 2026; 17.70% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.43% for Q1 2026; 0.35% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.37% for Q1 2026; 0.13% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 75.29% for Q1 2026; 76.48% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $521.3M
- Used vehicle loans: $207.6M
- New vehicle loans: $77.8M
- Other unsecured loans and lines of credit: $58.8M
- Unsecured credit card loans: $50.8M
- Other secured non-real estate loans and lines of credit: $7.2M
- Non-federally guaranteed student loans: $6.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.43B | 16.73% | 0.54% | 0.29% | 78.59% |
| March 31, 2026 | $1.42B | 16.79% | 0.43% | 0.37% | 75.29% |
| December 31, 2025 | $1.36B | 17.50% | 0.52% | 0.36% | 76.68% |
| September 30, 2025 | $1.33B | 17.70% | 0.43% | 0.12% | 78.48% |
| June 30, 2025 | $1.32B | 17.70% | 0.35% | 0.13% | 76.48% |
| March 31, 2025 | $1.30B | 17.78% | 0.24% | 0.22% | 76.28% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
First Financial of Maryland Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 8554) · FFIEC NIC profile (RSSD 256786)
Frequently asked questions
Is First Financial of Maryland Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, First Financial of Maryland Federal Credit Union's net worth ratio is 16.73%, above the 7% NCUA threshold for well capitalized.
Is First Financial of Maryland Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. First Financial of Maryland Federal Credit Union is a federally insured credit union (NCUA charter 8554): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are First Financial of Maryland Federal Credit Union's key safety ratios?
For Q2 2026, First Financial of Maryland Federal Credit Union reports net worth 16.73%, delinquency 0.54%, ROA 0.29%, loan-to-share 78.59%.
What happens to my money if First Financial of Maryland Federal Credit Union fails?
For Q2 2026, First Financial of Maryland Federal Credit Union held $1.18B in shares and deposits for 81,365 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.