Credit Union Safety Analysis
Is First Peoples Community Federal Credit Union Safe? Cumberland, Maryland
Based on its Q2 2026 NCUA 5300 call report, First Peoples Community Federal Credit Union has a net worth ratio of 13.61%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.53%, 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 Peoples Community Federal Credit Union's net worth ratio is 13.61%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.61%
- Delinquency ratio (60+ days) (Q2 2026): 0.53%
- Return on assets (Q2 2026): 1.13%
- Loan-to-share ratio (Q2 2026): 86.10%
First Peoples Community Federal Credit Union (NCUA charter 13345, established 1959) reported $666.1M in assets and 34,982 members for Q2 2026 from Cumberland, Maryland. It ranks 14 of 58 credit unions in Maryland by total assets. Total assets grew 4.9% from $634.8M on June 30, 2025. It has 662 more members than on June 30, 2025 (+1.9%). Its net worth ratio was up 0.78 percentage points from 12.83% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $267.4M of $482.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.53% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.46% for Q1 2026; 12.83% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.25% for Q1 2026; 0.44% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.15% for Q1 2026; 1.06% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 84.54% for Q1 2026; 83.66% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $267.4M
- Commercial loans: $88.9M
- Used vehicle loans: $59.5M
- New vehicle loans: $41.2M
- Other secured non-real estate loans and lines of credit: $10.5M
- Other unsecured loans and lines of credit: $9.3M
- Unsecured credit card loans: $5.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $666.1M | 13.61% | 0.53% | 1.13% | 86.10% |
| March 31, 2026 | $659.9M | 13.46% | 0.25% | 1.15% | 84.54% |
| December 31, 2025 | $637.0M | 13.64% | 0.53% | 2.12% | 87.07% |
| September 30, 2025 | $631.3M | 13.23% | 0.39% | 1.32% | 85.18% |
| June 30, 2025 | $634.8M | 12.83% | 0.44% | 1.06% | 83.66% |
| March 31, 2025 | $633.5M | 12.59% | 0.25% | 0.81% | 83.13% |
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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 Peoples Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13345) · FFIEC NIC profile (RSSD 778587)
Frequently asked questions
Is First Peoples Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, First Peoples Community Federal Credit Union's net worth ratio is 13.61%, above the 7% NCUA threshold for well capitalized.
Is First Peoples Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. First Peoples Community Federal Credit Union is a federally insured credit union (NCUA charter 13345): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are First Peoples Community Federal Credit Union's key safety ratios?
For Q2 2026, First Peoples Community Federal Credit Union reports net worth 13.61%, delinquency 0.53%, ROA 1.13%, loan-to-share 86.10%.
What happens to my money if First Peoples Community Federal Credit Union fails?
For Q2 2026, First Peoples Community Federal Credit Union held $560.0M in shares and deposits for 34,982 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.