First Financial of Maryland

Sparks, MD · 1 · Charter #8554 · www.firstfinancial.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.4B
23th percentile
Members
77,416
26th percentile
Total loans
$867.5M
15th percentile
Total shares
$1.1B
24th percentile

Profitability

Return on assets
0.69%
28th percentile
Net interest margin
3.20%
49th percentile
Efficiency ratio
63.56%
9th percentile
Non-interest income ratio
12.73%
14th percentile

Capital & Risk

Net worth ratio
17.50%
97th percentile
Delinquency rate
0.52%
69th percentile
Net charge-off rate
0.44%
58th percentile
Loan-to-share
76.68%
23th percentile

Growth

Member growth YoY
7.80%
91th percentile
Asset growth YoY
8.83%
74th percentile
Loan growth YoY
7.46%
65th percentile
Share growth YoY
8.66%
73th percentile

Operations

Members / branch
8,602
60th percentile
Assets / member
$17,607
47th percentile
Field of membership penetration
29.47%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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